Hard Money Investors in Charlotte

Reliable, fast funding for single family homes in Charlotte

Lowest Cash-to-Close

As the premier hard money lender in Charlotte since 2005, we are your first choice for funding real estate deals. We pride ourselves on finding the loans that fit your specific needs and getting them to you quickly so you can get started.

No Credit or Experience

As a hard money lender, we are less concerned about traditional lending qualifications like income or credit score. If you present us an opportunity with good potential for profit, we will do what we can to make it happen for you—even if you’re new and don’t have $30k available like many other lenders require.

We’re On Your Side

The financial security of our clients is very important to us. This belief will be evident with every interaction you have with us.

Hard Money Loans in Charlotte

Hard Money Loans in Charlotte

Popular Areas to Invest in Charlotte

  • Pending…

Motivated Sellers in Popular Counties

Ever wondered what potential there is for finding investment deals in Charlotte? We’ve compiled the data for you for the two most popular areas to invest in Charlotte and provided heatmaps showing the estimated total property value, estimated value per square foot, and the 1-year price growth… these provide excellent insights into where to invest in the area.

All property counts below are single-family residential (SFR) that have been owned for at least 1 year with at least 30% equity and an estimated value of less than $500K as of 25 Aug 2021.

Charlotte County (Charlotte Area)


$5K+ Liens


Out of State Owners

Non-Owner Occupied


Failed MLS Listings








What Makes Do Hard Money Loans Different?

  • No minimum credit score
  • No experience required
  • Up to 100% financing
  • Interest rates beginning at 12%
  • Origination as low as 3.5%
  • Lend up to 85% ARV
  • Loans up to $350k
  • No prepayment penalties
  • No payments for 5 months
  • No minimum credit score
  • No experience required
  • Up to 100% financing
  • Interest rates beginning at 12%
  • Origination as low as 3.5%
  • Lend up to 85% ARV
  • Loans up to $350k
  • No prepayment penalties
  • No payments for 5 months


Our CEO, Ryan G. Wright, began investing in real estate in 2001. Since then, he’s flipped hundreds of deals and been involved in every type of real estate transaction imaginable. With a currently active real estate investor leading us, you’re working with a company that understands the real challenges you face in getting funding and completing deals.

Hard money lenders typically have a background purely in finance. However, we provide experience and resources to teach you how to find deals, market them, negotiate the prices, and close on these properties before getting funding.

Fewer barriers for new investors

The lending system is broken. With most lenders you’ll need good credit and lots of money to flip houses. That is why most people who want to get started can’t do it.

That’s not how we work. We believe that everyone should have the opportunity to build financial security for themselves. While we lend to experienced investors, a large percentage of our borrowers come to us because we make flipping your first deal possible.

True 100% financing

We’re proud to offer you up to 100% financing on your purchase, loan costs, and rehab expenses—meaning that you can complete great deals with zero down. And if your loan won’t quite cover the deal, don’t worry. We have an entire training module to teach you our 16 favorite ways to find the money to make your deal happen.

Flexible loan programs to match any borrower’s goals

Many lenders offer a few different loan programs. We have 30 options to fit your needs. Let us know your current situation, and we’ll find the right program for you—whether it’s lowest cash, cheapest rate, or most overall profit, we can help.

Industry-best risk mitigation


We’ve always got your back. Our Advanced Deal Analysis software will help you analyze potential deals. If everything checks out, we’ll put your deal through a rigorous two-step evaluation process to determine the best course of action. After that, you move on with our dedicated loan advisor and a rehab project manager to take you across the finish line.

No surprises on loan values

We’ll record a custom video for each deal to show you exactly how we went about analyzing it, why we figured out the value that we did, and what your next steps should be after getting our valuation report. You’ll love the transparency and cooperation you’ll experience throughout the process.

Our borrowers’ average profit on a paid-off loan in 2020 was


Now it’s your turn to change your life.

Don’t have a deal yet?

No worries. Our Find-Fund-Flip System is an all-in-one program designed to help you find & close the exact kinds of deals we’re looking to fund.