Hard Money Lenders in North Carolina
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.
Submitting your application package is quick and easy.
Hard Money Lenders in North Carolina
Fast, flexible hard money loans for North Carolina real estate investors.
Fix & flip, rental, and construction financing with approvals in hours and closings in as little as 7 days.
Fast Hard Money Loans for North Carolina Real Estate Investors
Hard money loans are a powerful financing tool for real estate investors in North Carolina who need speed, flexibility, and asset-based approvals. Unlike traditional banks, hard money lenders focus on the property value and exit strategy — not tax returns or employment history.
Whether you are flipping homes, building spec properties, or expanding a rental portfolio, hard money financing allows you to compete, close faster, and scale efficiently.
Why Choose a Hard Money Lender in North Carolina?
- Fast Closings: Loans can close in as little as 7–14 days.
- Property-Based Approval: Decisions based on the deal, not personal income.
- High Leverage: Up to 90% of purchase and 100% of rehab costs.
- Interest-Only Payments: Preserve cash flow during renovations.
- Experienced Lending Team: Thousands of investor loans funded nationwide.
We Lend in:
Charlotte, Raleigh, Greensboro, Durham, Fayetteville, Cary, Wilmington, High Point, Greenville, Asheville and other cities in North Carolina
Hard Money Loan Programs Available in North Carolina
Fix & Flip Loans
Short-term financing designed for investors purchasing undervalued properties, completing renovations, and reselling for profit. Ideal for competitive markets like Charlotte, Raleigh, and Durham.
DSCR Rental Property Loans
Long-term rental loans based on the property’s cash flow rather than personal income. Perfect for investors building or refinancing single-family and small multifamily rentals across North Carolina.
Ground-Up & Spec Construction Loans
Construction financing for investors building new homes or small developments. Funds are released in draws as construction progresses, allowing projects to move quickly.
Lending Across North Carolina
We provide hard money loans statewide, including:
Charlotte, Raleigh, Durham, Greensboro, Fayetteville, Cary, Wilmington, Asheville, Greenville, High Point, Winston-Salem, and surrounding markets.
How to Apply for a Hard Money Loan in North Carolina
- Submit Your Deal: Share purchase price, rehab budget, exit strategy, and timeline.
- Receive Loan Terms: Get a clear breakdown of leverage, rates, and fees.
- Complete Loan Package: Upload required documents and authorize appraisal.
- Underwriting Review: Final approval typically within 24 hours.
- Close & Fund: Loan closes and funds are released quickly.
Experience You Can Trust
I have been a hard money lender and real estate investor for over 25 years. I specialize in financing fix and flip projects, ground-up spec construction, and long-term DSCR rental loans for investors nationwide.
This experience allows us to evaluate deals quickly, structure investor-friendly terms, and help borrowers avoid common pitfalls that slow down closings.
Recent North Carolina Loan Examples
Calabash, NC – Ground-Up Construction Loan
Lot Purchase: $33,000
Construction Cost: $238,400
Completed Value: $400,000
We funded 100% of construction costs after the borrower purchased the lot with cash.
Fuquay-Varina, NC – 30-Year DSCR Rental Loan
Purchase Price: $277,000
Loan Amount: $124,650
30-Year Fixed Rate DSCR Loan closed in 10 days.
Serving Growing Southeastern Markets
Along with North Carolina, we support investors operating in surrounding markets such as
Virginia
and
South Carolina.
Our financing options are built for investors scaling across state lines.
Frequently Asked Questions About Hard Money Loans in North Carolina
How fast can a hard money loan close in North Carolina?
Most hard money loans in North Carolina close within 7 to 14 days. Metro areas like Charlotte, Raleigh, and Durham can often close faster when appraisals and titles are expedited.
Do I need good credit to qualify for a hard money loan in North Carolina?
No. Approval is based on the property value and investment strategy, not personal income or credit score. Investors with past credit challenges can still qualify.
How much can I borrow for a North Carolina property?
Loan amounts typically go up to 90% of purchase price and 100% of rehab costs, depending on after-repair value (ARV) and deal structure.
Are rehab and construction costs included?
Yes. Many loans include rehab or construction funding, with draws released as work is completed. Same-day draws are available on approved projects.
Which cities do you lend in North Carolina?
We lend statewide, including Charlotte, Raleigh, Durham, Greensboro, Fayetteville, Wilmington, Asheville, and surrounding areas.
Apply for a North Carolina Hard Money Loan Today
If you are looking for a reliable hard money lender in North Carolina who understands real estate investing, we’re ready to help.
Apply online or call 516-526-8445 to discuss your deal and receive a custom loan quote.