© WHERE WE LEND CHARLOTTE · NC
HARD MONEY LENDER CHARLOTTE
A direct lender for Charlotte deals that banks will not touch, priced on the asset, not the paperwork.
CALL OR TEXT US (619) 617-2797
- GOOGLE RATING 150+ REVIEWS
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- VETERAN OWNED Company NMLS 1416824 · Branch NMLS 2554618
Charlotte runs on banking, logistics and steady in-migration, and Mecklenburg County shows it. Uptown and South End set the tone for density and adaptive reuse, NoDa and Plaza Midwood keep drawing renovation money, Dilworth holds the older character stock, and University City and Ballantyne bookend the metro with very different tenant profiles.
Charlotte is one of the North Carolina markets Loan Goat lends in year round. Mecklenburg County files and deals in Rock Hill, High Point and Winston-Salem are underwritten identically, on value, exit and the plan for the property.
Loan Goat is a direct private lender, not a broker, headquartered in San Diego and funding across 46 states. A Charlotte borrower deals with the lender itself, not a broker shopping the file, which is the difference between a quote you can act on and a quote that needs a second opinion.
© THE COST CHARLOTTE · NC
WHAT DO CHARLOTTE HARD MONEY LOANS COST
Cost on a Charlotte file is a function of the deal, not the market. Bridge opens at 9.00%. Residential runs to 75% LTV and commercial to 70%, on one or two year terms, and a clean file closes in 3 to 14 days.
The written quote comes before the appraisal, and it holds. For a Charlotte deal on a clock, that is the difference between a real number and an indication. Prepay is free on the bridge programs, which matters when the plan is to be out inside a year.
| PROGRAM | RATES | LEVERAGE UP TO | TERMS | LOAN AMOUNTS |
|---|---|---|---|---|
| BRIDGE LOAN | 9.00% to 13.00% | LTV 75% | 1 or 2 years | $150,000 to $25,000,000 |
| FIX & FLIP | 9.99% to 12.00% | LTV 85% of purchase, LTC 100% of rehab | 6 to 18 months | $250,000 to $10,000,000 |
| RENTAL DSCR | 6.50% to 9.99% Non-QM | LTV 80% | 5, 7, 30 and 40 year fixed | Sized to the property |
Starting rates for qualified borrowers, from the published terms cards. Points and fees are quoted on the Letter of Intent. Rates are subject to change without notice and are not a commitment to lend.
Those numbers are the ceiling and the floor. A Charlotte deal gets priced inside them once the property and the exit are on the table, usually the same day the file is opened.
© WHY LOAN GOAT CHARLOTTE · NC
WHY LOAN GOAT IN CHARLOTTE
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
A private lender earns its rate by being fast and being sure. On Charlotte property that shows up as a written quote the same day, an appraisal ordered only once the terms are agreed, and a wire inside a week. The rate buys the speed and the certainty.
Brick ranches and bungalows from the 1940s through the 1960s inside the inner loop, new townhome rows, garden and mid-rise apartment product, and South End warehouses that keep getting converted. None of that is unusual here; it is the normal book.
Inner-ring flips and teardowns feed owner-occupant demand, build-to-rent runs in the outer suburbs, small multifamily holds near the light rail, and commercial conversion works where old warehouses meet new foot traffic. Bridge covers the acquisition, fix and flip covers the work and the rental program takes it out.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
CHARLOTTE DEALS, FUNDED FROM SAN DIEGO.
Mecklenburg County files run on the same terms as the home markets: written quote first, appraisal once terms are agreed, wire in five to seven days. 1.3K+ closed loans since 2022 and $1.5B+ funded across 46 states.
© LOAN SCENARIOS CHARLOTTE · NC
MOST COMMON CHARLOTTE LOAN SCENARIOS
- 1031 EXCHANGE Bridge money that lets a Charlotte replacement property close inside the 45 and 180 day windows.
- AUCTION & HUBZU Charlotte auction buys where the deposit is up and the clock is already running.
- BANKRUPTCY BUYOUT Buying out a partner or a plan on Charlotte real estate, funded on the equity in the asset.
- BANK STATEMENT LOANS Deposits instead of tax returns for self-employed buyers working Mecklenburg County.
- FORECLOSURE AUCTION Courthouse and trustee sale purchases in Mecklenburg County, funded on the asset and the plan.
- FOREIGN NATIONAL Foreign national buyers acquiring Charlotte investment property without a US credit file.
- NON-WARRANTABLE CONDOS Non-warrantable Mecklenburg County condo units where the HOA or the investor concentration killed the conventional loan.
- SELF-EMPLOYED Business owners buying in Charlotte whose write-offs make a bank file impossible.
- VACATION RENTAL Charlotte vacation rental purchases where the projected income does the work.
- CASH OFFERS ONLY Sellers in Charlotte who will only look at cash get a proof of funds that holds up.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN CHARLOTTE
- BRIDGE LOANS Acquire, recapitalize or stabilize with short-term capital that closes in days, not months. FROM 9.00% · LTV 75% · 1-2 YR
- FIX & FLIP LOANS Buy, renovate and sell or hold, with the rehab funded through draws and no prepayment penalty. FROM 9.99% · LTV 85% · 6-18 MO
- CONSTRUCTION LOANS Ground-up financing with flexible draws through every stage of the build. LTC 80% · 12-18 MO
- RENTAL PROPERTY LOANS Long-term DSCR, portfolio and multifamily term loans that qualify on the property's cash flow. FROM 6.50% · LTV 80% · 30 YR
- COMMERCIAL LOANS Hybrid-term financing for multifamily, mixed-use, retail, office and industrial in major metros. FROM 7.90% · LTV 70% · 1-15 YR
- OWNER OCCUPIED LOANS Short-term bridge financing on the home you live in, with a refinance into a conventional or jumbo loan as the exit. FROM 10.50% · LTV 70% · 11-12 MO
- BANK FINANCING Bank statement, P&L-only and SBA programs for business owners outside the standard mortgage box. TERMS 5 TO 30 YR
- SECOND & THIRD MORTGAGES Second and third lien position loans behind an existing first mortgage. 12-36 MO · BUSINESS PURPOSE
- BLANKET / CROSS-COLLATERAL LOANS One loan across several properties, cross-collateralized when a single asset will not carry the deal. FROM 8.99% · 1-3 YR
© PROPERTY TYPES CHARLOTTE · NC
PROPERTY TYPES WE FINANCE IN CHARLOTTE
- LAND Entitled and unentitled parcels around Charlotte on the land program.
- MANUFACTURED HOMES Mecklenburg County manufactured home communities on bridge and commercial terms.
- ASSISTED LIVING Charlotte care facilities bridged through licensing and stabilization.
- AGRICULTURAL Agricultural land and operations outside Charlotte underwritten on the asset.
- CANNABIS Cannabis-use property in Charlotte where conventional lenders will not participate.
- AUTOMOTIVE & GAS STATION Mecklenburg County fuel and automotive sites, purchase and refinance.
© THE APPROACH CHARLOTTE · NC
HOW WE LEND IN CHARLOTTE
Read the table as a promise rather than a pitch. On a Charlotte deal it means the leverage quoted is the leverage funded, the timeline quoted is the timeline delivered, and the person who priced the file is the person who releases the money.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
CHARLOTTE BORROWERS, IN THEIR WORDS
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I recently completed a bridge cash-out refinance from a private lender through Loan Goat and I cannot say enough good things about the experience. As a borrower in New York - one of the most attorney-heavy and regulation-intensive states - the...
ERIC MANLUNAS -
As a business owner traditional lending doesn't fit my finances, which is why Loan Goat is a godsend. They are able to work with you, understand what you're trying to do and get it done.
NEVENKA MOROZIN -
I referred my friend over to Milad and while they weren't ready to do a fix and flip just yet, Alex told me Milad was the first lender that actually explained the process, how constructions loans work, and answered all their questions. She...
MELANIE SANCHEZ -
I recently completed a bridge cash-out refinance from a private lender through Loan Goat and I cannot say enough good things about the experience. As a borrower in New York - one of the most attorney-heavy and regulation-intensive states - the...
ERIC MANLUNAS -
As a business owner traditional lending doesn't fit my finances, which is why Loan Goat is a godsend. They are able to work with you, understand what you're trying to do and get it done.
NEVENKA MOROZIN -
I referred my friend over to Milad and while they weren't ready to do a fix and flip just yet, Alex told me Milad was the first lender that actually explained the process, how constructions loans work, and answered all their questions. She...
MELANIE SANCHEZ
© QUESTIONS CHARLOTTE · NC
CHARLOTTE HARD MONEY LOANS, ANSWERED
Straight answers to what borrowers ask before they call. Questions we answer elsewhere link to the page that owns them.
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Yes. Loan Goat funds investment property in Charlotte and across Mecklenburg County on every program listed on this site: bridge, fix and flip, construction, rental property, commercial, owner occupied, bank financing, second and third mortgages and blanket loans. The desk is in San Diego, the capital is in house, and Charlotte files are underwritten on the property rather than on where the borrower banks.
Request a quote -
Five to seven days is standard and low-doc bridge files have funded in as little as three. The timeline on a Charlotte deal is usually set by title and escrow rather than by underwriting, because the credit decision is made in house by one person. Open title early and the wire follows the written terms.
How it works -
Non-owner-occupied residential from single-family up to four units, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land across Mecklenburg County. Owner-occupied has its own program. If the Charlotte asset produces or will produce value, there is usually a structure for it.
Property types -
Bridge financing reaches up to 75% LTV on a Charlotte flip, and 70% on commercial property. Loan Goat underwrites Mecklenburg County deals on the property and the exit rather than your income documents, and funding normally lands in five to seven days, which is what lets you compete with cash buyers.
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No prepayment penalty on the bridge programs. Pay the loan off the day the flip sells or the refinance funds and you owe interest for the days you used the money. That matters when the whole plan is to be in and out inside a year.
All loan programs -
Five to seven days is the standard, and low-doc bridge deals have closed in as little as three. Speed comes from the structure, not from cutting corners: in-house capital, one decision maker and minimal documentation. Title and escrow set the floor, so the sooner those are opened, the sooner the wire moves.
How funding works -
Credit is reviewed, but the property carries the decision. These are business-purpose loans on non-owner-occupied real estate, underwritten to value, exit and the strength of the deal. Investors turned down by a bank for self-employment, a recent event on file or thin documentation are routine business here.
Self-employed borrowers -
Bridge money runs from 9.00% to 13.00% and moves with leverage, property type, exit and experience. Rental loans price lower because the property carries the debt, from 6.50% on the Non-QM tier. Every quote is written before an appraisal is ordered, so you are never chasing a number that changes at the closing table.
Bridge loan terms
© WHERE WE LEND CHARLOTTE · NC
CHARLOTTE, ROUTED FROM SAN DIEGO HQ.
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- Lending footprint, 46 states
- Home markets: California and Arizona
- San Diego headquarters
© GET A QUOTE CHARLOTTE · NC
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(619) 617-2797
