Hard Money Loans in Charlotte, North Carolina

Up to 80% loan-to-cost with instant term sheet + proof of funds.

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Loan Terms

Loans Made for Charlotte Investors

See our competitve and straightforward loans, fine-tuned for Charlotte.

Fix & Flips

Funds for purchase + rehab or refinance + rehab.

10–12% interest rate

Up to 80% After Repair Value

1–3% points

6–12 month loan terms

7–10 days for closing

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Rent

10 year fixed product for stabilized properties.

10–12% interest rate

Up to 80% After Repair Value

1–3% points

6–12 month loan terms

7–10 days for closing

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Need Cash Fast?

We'll provide the real estate backed funding your project needs.

10–12% interest rate

Up to 80% After Repair Value

1–3% points

6–12 month loan terms

7–10 days for closing

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Your Partner

Local Expertise, Charlotte Coverage

  • Your Investment Partner in Charlotte

    Charlotte, NC is a high-demand real estate market within Mecklenburg County, attracting investors focused on fix-and-flip, rental, and commercial properties. Lake Norman Hard Money Lenders is a local hard money lender serving Charlotte and the greater Charlotte metro area, providing fast, asset-based financing for purchases, renovations, bridge loans, and refinances. Our Charlotte hard money loans are designed to help investors close quickly and succeed in competitive North Carolina markets.

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    • Fast Responses

    • Quick Closing Times

    • Instant Proof of Funds

    • Instant Term Sheets

    • Flexible Loan Terms

    • Expert Support

    • Minimal Paperwork

    • Fast Responses

    • Quick Closing Times

    • Instant Proof of Funds

    • Instant Term Sheets

    • Flexible Loan Terms

    • Expert Support

    • Minimal Paperwork

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Market Insights

Get the latest market snapshot and investor insights.

  • Uptown Charlotte

  • South End

  • North Davidson Arts District

  • Ballantyne

  • Huntersville

Charlotte, North Carolina

Our Expert Analysis

Charlotte’s real estate market is a hotspot for investors looking to grow their portfolios. Lake Norman Private Money Lenders provides fast, reliable financing for fix-and-flip projects, rental property acquisitions, and bridge loans across the Charlotte metro area.

High demand and competitive inventory make speed essential—our hard money and private money loans help investors close deals quickly, renovate efficiently, and capitalize on profitable opportunities. Whether you’re rehabbing a home for resale, acquiring rental properties, or bridging financing gaps, Lake Norman Private Money lenders provide the flexibility and support investors need to succeed.

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Our Benefits

Guiding You With Experience and Integrity

As local investors ourselves, we know what it takes to win here. We provide the fast, flexible funding that keeps your Charlotte investments profitable.

Fast Decisions (24–48 hours)

Get a decision fast. Funding in days, not weeks, so you never miss a deal.

Investor-First Mindset

We see based on your project’s potential, not just your credit score.

Local NC Expertise

We know the markets and understand your competition.

Draws Paid Fast

Keep your project moving and on budget without draw delays.
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Reviews

Hear It From Successful Charlotte Investors

See what investors are saying about our speed, reliability, and transparency.

“I needed a quick hard money loan to close on a property in Mooresville, and Lake Norman Private Money Lender delivered. The process was straightforward, and funding happened in just a few days. Highly recommend them if you need fast, reliable financing!”

Jason M.

Investor
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“Working with Lake Norman Private Money Lender was a breeze. They were transparent about terms, very responsive, and helped me structure the loan to fit my project. I’ve already referred a couple of fellow investors to them.”

Emily R.

Investor
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“Lake Norman Private Money Lender saved the day when my traditional bank loan fell through. The approval was fast, the staff was professional, and I got the funding I needed without unnecessary delays.”

Michael S.

Investor
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“As a first-time investor, I was nervous about taking a hard money loan, but the team at Lake Norman Private Money Lender made everything simple. They walked me through every step and made sure I understood the repayment terms. Excellent service!”

Sarah T.

Investor
financing, lender, bridge loans, nc, property acquisition financing

“These lenders understand real estate investing and move fast. I got a short-term loan for a rehab project, and everything closed smoothly. Very impressed with their professionalism and speed.”

David L.

Investor
financing, ground up construction loans, nc, loans, lake norman private money lender

“I needed a bridge loan for a rehab property, and Lake Norman Private Money Lender made it seamless. The team was professional, funding was quick, and the terms were clear. I’ll definitely work with them again for future projects.”

Laura B.

Investor
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Cities

Local Expertise, North Carolina Coverage

We are your boots-on-the-ground partner, funding investment properties across all major NC markets.
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Charlotte
Lake Norman
Mooresville

Don’t see your city listed? We can help. Contact Us

FAQ

Your Answers to Frequently Asked Questions

We specialize in speed. We aim to provide you with a loan commitment and clear terms within 24–48 hours of receiving your application. Once terms are accepted, we can typically close and wire funds within 7–10 days.

We are your local partners in Charlotte, but our expertise and funding reach all major investment markets across North Carolina.

We offer competitive, straightforward financing designed by investors for investors.

  • Interest Rates: Our interest rates generally range from 10–12%.
  • Loan-to-Cost (LTC) / Loan-to-Value (LTV): We offer financing up to 80% Loan-to-Cost for our Hard Money Loans and up to 80% After Repair Value (ARV) for Fix & Flip projects.
  • Loan Terms: Our short-term loans for flips are typically 6–12 months. Our long-term rental product offers a stable 10-year fixed product for stabilized properties.

We prioritize speed and efficiency to eliminate project delays. Our draw process includes seamless, rapid inspections, ensuring your draws are paid fast and your contractors can maintain their momentum on your Charlotte property.

We pride ourselves on being guides and educators. If you have a solid plan, we offer the expert guidance and patient communication you need to successfully execute your first project in Charlotte. Your success is our primary goal.

A hard money loan is fast, short-term financing secured by the investment property itself, focusing on the asset’s value and potential rather than the borrower’s credit score, typically used for renovations or quick acquisitions.

Reputable Hard Money Lenders like Lake Norman Private Money Lending offer interest-only repayment terms. For example, if you were offered a $200,000 hard money loan, with a 10% interest rate, your monthly payment would work out to $1666.66. Here’s how it works:

  • Amount Borrowed: $200,000
  • Annual Interest Rate: 10%
  • Monthly Repayment: Amount Borrowed * Annual Interest Rate / 12
  • Monthly Repayment: $200,000 * 10% / 12
  • Monthly Payments: $1666.66

In other words, your monthly payment only covers the interest portion of the capital that was borrowed. However, you are required to pay back all the capital that was borrowed when the hard money loan expires.

It helps to think of it as a balloon payment,  but instead of paying a portion of the capital back, your balloon payment covers 100% of the amount borrowed.

Speed is one of our greatest advantages—we know that in real estate investing, the difference between a good deal and a missed opportunity is often measured in days.

You can get pre-approved online in 5 minutes and receive an instant term sheet and proof of funds. Our full, final approval process is typically completed in 24–48 hours after submitting all necessary documentation. We then aim to close and fund your loan in 7–10 days, keeping your project momentum high.

While the interest rates on traditional loans are typically lower than hard money loans, the approval process is far more stringent and time-consuming. This can be a dealbreaker when you spot an opportunity for a fix and flip. In most cases, you need to move swiftly in order to capture the deal. That is why a hard money lender like Lake Norman Private Money Lending can be so useful to investors. Effectively you get:

  • Flexible loan terms
  • Easy loan applications
  • Less stringent financial requirements
  •  Speedy approval and closing
  • Instant proof of funds
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Ready to Close Your Next Deal?

Stop waiting for slow bank approvals. Start your fast, transparent funding process right now.
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