The Leading Hard Money Lenders North Carolina HardMoneyMan.com LLC
As one of the premier hard money lenders in North Carolina, HardMoneyMan.com offers hard money loans in NC with fair terms and a fast process. Click the button to get started by sending a few quick pieces of info.
Real Estate Investment Financing Solutions from Hard Money Lenders North Carolina
The Leader in Hard Money Loans in North Carolina
The Leader in Hard Money Loans in all of North Carolina including Fayetteville, Raleigh, Greensboro
Submitting your application package is quick and easy.
Hard Money Lenders North Carolina | Fast Investor Loans for Fix & Flip, Rentals & Construction
Looking for real estate investment funding in North Carolina? HardMoneyMan.com LLC is a trusted, direct hard money lender with fast, flexible loan programs designed for investors in Charlotte, Raleigh, Greensboro, Durham, and statewide.
Hard money loans offer speed, flexibility, and property-based approvals—making them ideal for fix & flip projects, BRRRR deals, spec home construction, and rental property financing.
Why Choose a Hard Money Lender in North Carolina?
- Close in 7–14 Days – Faster than traditional banks
- No Income Documentation Required – Approval based on property value
- Up to 90% Purchase & 100% Rehab Funding
- Interest-Only Payment Options – Maximize cash flow during rehab
- Experienced Team Since 1998 – Over 26,000 investment loans funded nationwide
What Is a Hard Money Loan?
A hard money loan is short-term financing backed by real estate and offered by private lenders. These loans prioritize the property’s after-repair value (ARV) and investor strategy—not your credit score or employment history.
Perfect for:
- Fix and Flip Investors
- Rental Property Owners (DSCR Loans)
- Builders Developing Spec Homes
- BRRRR Method Landlords
Lending Available Across North Carolina
We lend in Charlotte, Raleigh, Greensboro, Durham, Asheville, Wilmington, Winston-Salem, Fayetteville, and beyond.
Fast Funding, Minimal Paperwork, Maximum ROI
At HardMoneyMan.com LLC, we combine expert deal analysis with real estate investor-focused lending. Our same-day draw funding and investor-friendly underwriting make us the go-to hard money lender for North Carolina investors who want fast closings and competitive terms.
Apply Now for Your North Carolina Hard Money Loan
Get started today at HardMoneyMan.com or call (866) 461-2695 for your personalized loan quote.
We Lend in:
Charlotte, Raleigh, Greensboro, Durham, Fayetteville, Cary, Wilmington, High Point, Greenville, Asheville and other cities in North Carolina
How to Apply for a Hard Money Loan in North Carolina | Fast Investor Funding Made Simple
At HardMoneyMan.com LLC, we make the Carolina hard money loan process fast, transparent, and investor-friendly. Whether you’re applying for a fix and flip, new construction, or 30-year DSCR rental loan, our streamlined approach helps you close quickly—often in just 7 to 14 days.
Step-by-Step: North Carolina Hard Money Loan Process
- Submit Your Loan Scenario Share the full details of your real estate investment—purchase price, rehab budget, exit strategy, and desired loan terms. We’ll evaluate it and provide your maximum loan-to-value (LTV), interest rate, and loan duration.
- Receive Your Loan Offer We’ll send a comprehensive breakdown of your hard money loan or DSCR rental loan terms with no hidden fees.
- Complete the Loan Package Once you accept the offer, you’ll receive our loan application packet along with a checklist of required documents.
- Begin Appraisal & Authorization After uploading your docs, you’ll receive a DocuSign for credit/background authorization and a secure link to pay for the appraisal:
- Rush appraisal: ~3 business days
- Standard appraisal: ~5 business days
- Underwriting Review Once the appraisal and documents are submitted, your file enters underwriting—usually completed in a few hours to 24 hours.
- Closing Coordination Upon approval, our attorney contacts your title company to issue closing instructions and finalize paperwork.
Typical Loan Closing Timelines in North Carolina
Loan Type | Estimated Closing Time |
Fix & Flip Loans | 7–8 days |
Ground-Up Construction | 8–10 days |
30-Year DSCR Rental Loans | 14 days or less |
Ready to close your next deal fast? Apply now or call (866) 461-2695 to get your custom loan quote.
Which are the hottest real estate markets for investors in North Carolina?
North Carolina continues to be a powerhouse for real estate investors—especially those targeting fix and flip opportunities and short-term value-add strategies. Cities like Charlotte, Raleigh, and Durham consistently rank among the hottest markets due to strong population growth, healthy job sectors, and rising home values. In Charlotte, investors are capitalizing on inventory in rapidly transitioning neighborhoods like Plaza Midwood and West Charlotte, where median home values have risen over 8% year-over-year and homes typically sell in under 30 days.
In Raleigh, the tech and research corridor continues to attract high-income professionals and renters, fueling demand for renovated homes near downtown, North Hills, and Garner. Flippers are especially active in ZIP codes like 27610 and 27616, where rehabbed properties are selling at record-high ARV spreads with relatively low acquisition costs. Meanwhile, Durham offers investors strong returns with its mix of historic homes and revitalization zones. Areas like East Durham and Bragtown have seen sharp appreciation, making them popular targets for fix and flip specialists.
Outside the major metros, cities like Wilmington, Greensboro, and Fayetteville are emerging as secondary investment hubs. Wilmington’s coastal appeal attracts short-term rental investors, while Fayetteville’s steady military presence creates reliable demand for rehabbed workforce housing. In Greensboro, flippers are finding success in up-and-coming districts near UNC-Greensboro, where student housing and retail development are driving value growth. Across the board, North Carolina’s mix of affordability, rising demand, and investor-friendly policies make it one of the best states for real estate investing in 2025.
- https://www.realtor.com/
realestateandhomes-search/ North-Carolina - https://www.zillow.com/nc/
- https://www.trulia.com/NC/
Keep up to date with all of the Real Estate Markets based on actual data provided by redfin –
Here are some case studies from the #1 Hard Money Lenders North Carolina
Calabash NC Ground Up Construction Loan
Lot Cost – $33,000
Cost to build – $238,400
Completed Value – $400,000
Borrower bought the lot for cash, and we lent 100% of the construction cost.
Fuquay Varina NC 30 Year Rental Loan
Purchase Price $277,000
Loan Amount $124,650
30 Year Fixed at 7.63% rate.
Borrower had to complete a 1031 exchange and had just over $150,000 he had to use. Those funds went toward his down payment. We funded this deal in 10 days from submission to appraisal to the closing table.
North Carolina Hard Money Lenders – Why Choose Us?
We're in the Business
We’ve rehabbed, sold and rented investment properties ourselves. We know what to look for so you can be confident that your project will result in profit.
We're a Direct Lender
We loan the money. We don’t find the money form someone else. This means you can rest easy knowing that if we approve your loan, it’s going to get funded. No surprises.
We're Fast and Efficient
We can give you preliminary approval in as little as 24 hours and have your loan closed and paid out in less than 7-10 days. We’re one of the most efficient hard money lenders in North Carolina.
We're Investor Focused
We consider you our partner and we want you to make money. We make it a point to look at our loans from all angles to make sure you’re going to get a fair return.