South Carolina Hard Money Lenders
Need a hard money loan secured by real estate in South Carolina? This page has a list of direct hard money lenders that offer quick funding for a South Carolina property purchase, refinance, fix & flip, rehab & rent, ground-up construction, and equity cash out in 1st lien position. Hard Money lending is only for investment properties, not for homesteads. The loans are mainly based on equity in the subject property. For most lenders, the maximum LTV is typically 70% for a purchase and 65% for an equity cash out loan. Scroll to see the list of lenders.Searching...
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Malve Capital LLC
Fast And Easy Real Estate Loans. Closing as fast as 5 business days, subject to clear title.

Coastal Equity Group
Your trusted direct lender in the Southeast—small team, big relationships, and tailored solutions for investors.

RBI Private Lending
Direct lender for Bridge Laons, Fix and Flip and Construction. Foreign nationals and new investors welcome.
South Carolina Hard Money Interest Rates
According to the hard money loan documents software company, Lightning Docs, the average interest rate for South Carolina hard money loans in the 2nd quarter of 2025 was 10.82%. The average loan amount was $568,199. These stats are the average of 137 short-term loans (including bridge, rehab, and ground-up construction) funded for properties in South Carolina between April 1, 2025 and June 30, 2025 by multiple hard money lenders that use Lightning Docs as their preferred software provider to prepare loan documents.
According to private lending data provider, Analytics Logics, the average interest rate for South Carolina hard money loans in the 2nd quarter of 2025 was 10.87%. Lenders charged an average of 2.8% points (origination fee). The average LTV (loan-to-value) for hard money loans in South Carolina was 64%, and the average loan amount was $293,590. These stats are the average of all the loans which were funded between April 1, 2025 and June 30, 2025 by the many hard money lenders who use Liquid Logics’ loan origination software to manage their lending operations.
Top 10 South Carolina Hard Money Lenders

According to Forecasaâ„¢, here are the Top 10 Hard Money Lenders ranked by the number of loans* originated in South Carolina from January 2025 to March 2025.
- Kiavi funded 110 loans
- Pic Fund I LLC (Rehabwallet) funded 48 loans
- i Fund cities funded 38 loans
- ROC Capital funded 37 loans
- American Heritage Lending LLC funded 36 loans
- RCN Capital LLC funded 33 loans
- Lima One Capital funded 26 loans
- New Vision Trust/Custodian funded 26 loans
- Velocity Commercial Capital funded 25 loans
- Windstone Private Lending LLC funded 24 loans
* The number of loans funded are approximate and includes long-term rental loans.
Forecasa™ gives investors and lenders in the private real estate market powerful analytics and actionable insights. They help you skip the hassle of combing county records and focus on closing deals. With detailed market trends, investor and lender activities, and competitive benchmarking, you can make smart, strategic decisions. Some of their services include dynamic market reports, transaction-level details, customer analytics, borrower verification, and in-depth profiles of investors, lenders, and capital partners. You’ll find their top lenders data for many other states on our platform..
South Carolina Hard Money Loan Volume
According to SFR Analytics, here is the approximate quarterly volume of loans secured by investment real estate in South Carolina which were funded by hard money lenders from January 2024 to December 2024.
- Approximately $260,559,996 of hard money loans were funded in the 4th quarter of 2024 for 470Â borrowers.
- Approximately $258,454,054 of hard money loans were funded in the 3rd quarter of 2024 for 516Â borrowers.
- Approximately $228,647,990 of hard money loans were funded in the 2nd quarter of 2024 for 520Â borrowers.
- Approximately $228,701,268 of hard money loans were funded in the 1st quarter of 2024 for 483Â borrowers.
Below are the approximate hard money loan volume amounts for South Carolina’s metropolitan areas:
Charleston-North Charleston, SC
- 2024 Q4: $120,035,684 for 109 borrowers
- 2024 Q3: $94,579,200 for 118 borrowers
- 2024 Q2: $94,794,407 for 129 borrowers
- 2024 Q1: $73,127,185 for 104 borrowers
Columbia, SC
- 2024 Q4: $27,415,976 for 86 borrowers
- 2024 Q3: $31,720,026 for 108 borrowers
- 2024 Q2: $30,316,859 for 94 borrowers
- 2024 Q1: $28,397,159 for 93 borrowers
Greenville-Anderson-Greer, SC
- 2024 Q4: $41,761,296 for 98 borrowers
- 2024 Q3: $50,963,840 for 101 borrowers
- 2024 Q2: $49,794,270 for 117 borrowers
- 2024 Q1: $44,316,105 for 108 borrowers
SFR Analytics provides advanced analytics for top-performing real estate investors and private lenders. Their platform provides nationwide, real-time property data, including market activity, ownership changes, and detailed buyer behavior insights. With custom dashboards and alerts, users can track active investor and lender activity, access rental market information, and analyze geographic and demographic trends. Their Private Lender Radar product gives lenders deep insights into borrower portfolios, lending activity, and verified contact details. For those needing bulk data, they supply updated daily records, including deeds, rental listings, demographic data, and building permits, to support informed decision-making across the residential real estate market..
Funded Hard Money Loans in South Carolina

Hard Money Construction Loan for NNN Retail Property in York, South Carolina
$1,200,000
Yieldi, a direct lender for investment properties nationwide, funded a $1,200,000 first-lien position hard money construction loan for a retail property in York, SC. The Borrower purchased a building that was occupied by Burger King and redeveloped the property into a T-Mobile Corporate location. The Borrower secured the property under contract at a purchase price of $625,000. While under contract, the site was approved and a long-term lease was signed with T-Mobile, adding significant value. The projected property sale was estimated at $1,685,786 at a 7% cap rate. The construction funds will be issued in draws as work is approved and completed. The building size is approximately 2,000 square feet. The Borrower had excellent credit. They plan to refinance into a permanent loan once the tenant has moved in. The interest rate was 13.99%. We charged 2.5% origination points, and the broker earned a $32,000 commission. The loan term was set at 12 months. This hard money loan was funded in June 2024.

Myers Capital Hawaii, a direct hard money lender, collaborated with its affiliate, Koa Mortgage Fund, to finance a $165,000 first lien position equity cash-out loan for a multifamily property located in Easley, Pickens County, South Carolina. The subject property has both a single-family residence and 5-unit apartment building. The loan-to-value ratio was 36.6% based on an estimated property value of $450,000. The Borrower plans to use the funds to build two duplexes on another property. They plan to exit the bridge loan by refinancing it into a DSCR long-term rental loan. The subject property is approximately 1,980 square feet set in a 17,859-square-foot lot. It was in fair condition and fully occupied at closing. The interest rate was 14%. The loan term was set at 12 months. This hard money loan was funded in July 2024.

Hard Money Loan for Convenience Store Purchase in Charleston, South Carolina
$350,000
Gelt Financial, a direct commercial real estate lender, funded a $350,000 hard money loan for the purchase of a convenience store in North Charleston, SC. The Borrower is a family that had been leasing and operating the c-store for 9 years. They had a worked out a deal with the owner to acquire the property with seller financing. They gave the owner $300,000 and started making installments. Shortly after, the owner passed away. His children inherited the property and did not recognize the financing agreement. Threatened with an eviction, the Borrowers had to get quick financing to purchase the property. Their business was mostly cash, and they didn’t have good credit. The property value was estimated to be around $700,000. We did not require an appraisal or income verification. The loan term for our 1st mortgage is 36 months. With the assistance of their mortgage broker, the Borrower plans to get an SBA loan within that time to pay us off. This hard money loan was funded in June 2021.