Do you offer fix and flip loans in Charlotte?

Yes. We fund fix and flip projects across Charlotte with up to 90% purchase and 100% rehab.

Do you provide spec construction loans in Charlotte?

Yes. We finance 1–4 unit residential new builds with staged draws and fast inspections.

Do you finance rental properties with DSCR loans?

Yes. DSCR loans qualify based on rental income coverage rather than personal income documentation.

Do you lend to LLCs and business entities?

Yes. All programs can be closed in LLCs or other business entities.

What neighborhoods do you serve in Charlotte?

We lend in Uptown, South End, Plaza Midwood, Dilworth, NoDa, Ballantyne, Steele Creek, SouthPark, University City, and surrounding areas.

How are construction draws handled?

Draws are released in stages as milestones are verified; we offer fast, in-house draw processing.

What documentation is typically required?

Property details, scope of work or plans, budget, entity docs if applicable, and rental income data for DSCR loans.

Do you consider borrower experience?

Yes. Prior projects strengthen an application, and licensed builders are preferred for new construction.

How do I apply for a Charlotte hard money loan?

Submit your application online to start underwriting and receive an approval, typically within 24 hours.

The #1 Rated Hard Money Lenders Charlotte North Carolina since 1998 – HardMoneyMan.com LLC

As one of the go-to hard money lenders in Charlotte NC, HardMoneyMan.com offers hard money loans in Charlotte with fair terms and a fast process. Click the button to get started by sending a few quick pieces of info.

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Hard Money Lenders Charlotte for fix and flips, ground up construction, 5+ unit apartment buildings, mixed use, commercial and asset based loans.

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The Leader in Hard Money Loans in Charlotte for Real Estate Investing

Apply Now

Submitting your application package is quick and easy.

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Hard Money Loans Charlotte – Close in 7–10 Days

Fix & Flip, Spec Construction, DSCR Rentals, Multifamily, and Commercial loans across Charlotte and Mecklenburg County. Approvals in 24 hours. Same‑day draws.

Apply Here
Call 866‑461‑2695

Charlotte’s Trusted Hard Money Lender

With over 25,000 deals funded and 25+ years of experience, HardMoneyMan.com LLC is the leading choice for Charlotte real estate investors. We specialize in fast closings, approvals in 24 hours, and same‑day draws to keep your projects moving.

Charlotte Hard Money Loan Programs

Fix & Flip Loans: Up to 90% purchase + 100% repairs. Perfect for properties in Uptown Charlotte, South End, and Plaza Midwood.
Spec Construction Loans: Builder financing with staged draws. Ideal for new builds in SouthPark, Ballantyne, and Steele Creek.
DSCR Loans: Rental income qualification, no personal income docs. Great for rental investors in Dilworth, University City, and NoDa.
Multifamily Loans: Financing for 5+ unit apartment buildings across Charlotte and Mecklenburg County.
Commercial Loans: Offices, retail, mixed‑use, and industrial properties in Charlotte’s growing business districts.

Where We Lend in Charlotte

We provide hard money loans across Charlotte and surrounding areas, including Mecklenburg County, Concord, Gastonia, Huntersville, Matthews, Pineville, and Kannapolis. Whether you’re flipping a duplex in South End or building new construction in SouthPark, we’ve got you covered.

Case Studies: Charlotte Projects Funded

Funding a Fix & Flip in Plaza Midwood

A local investor purchased a distressed bungalow in Plaza Midwood. We funded 90% of the purchase and 100% of the rehab budget. The project closed in 8 days, and the investor sold the property within 4 months for a 32% ROI.

New Construction Loan in SouthPark

A licensed builder secured financing for a 4‑bedroom new build in SouthPark. With staged draws and same‑day inspections, the project stayed on schedule. The home sold above asking price, and the builder reinvested profits into a second project in Ballantyne.