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North Carolina

The Premier Private Money Lender for North Carolina Real Estate Investors

The Premier Lender for North Carolina Real Estate Success

As a company based in the Carolinas, Lima One Capital is the best real estate investment loan source for North Carolina real estate investors. Every day, we work with investors in the Tarheel State’s biggest regions:

  • Charlotte and suburbs like Gastonia, Concord, and Huntersville
  • The Triad of Winston-Salem, Greensboro, and High Point
  • The Research Triangle of Raleigh, Durham, and Chapel Hill
  • Asheville and the rest of Western North Carolina
  • The military area around Fayetteville

Lima One offers a full suite of real estate investment financing options to real estate investors. We are the premier solution whatever your real estate investment strategy. We offer the industry’s best financing on:

Plus, you get the industry’s best combination of common-sense, dependable underwriting and service through the life at your loan with Lima One Capital. You’ll also get competitive interest rates and flexible, favorable loan terms. Contact us today, and discover why hundreds of North Carolina real estate investors choose Lima One Capital time after time.

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Loan Types

Real Estate Investment Loans for North Carolina Investors

Lima One provides flexible investment property loan options that are tailored to your real estate goals across the state of North Carolina. Whether you are looking for construction loans in North Carolina or fix and flip loans in North Carolina, Lima One has you covered. View the links below for more information on our product suite.

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FixNFlip

Our flexible FixNFlip loans simplify the approval process and enable you to move quickly, maximize your leverage, and pivot when necessary.

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  • FixNFlip
  • Fix2Rent
  • Bridge Plus
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New Construction

Whether your strategy is Build For Rent or Build for Sell, we specialize in vertical construction financing on infill, shovel-ready, fully entitled land on single builds or developments.

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  • New Construction
  • Build2Rent
  • Bridge Plus
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Bridge Plus

When you need to close quickly or want to buy some extra time to finalize your business plan, a basic Bridge Loan is the tool you need to add versatility and flexibility to your strategy.

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  • Bridge Loan for Builders
  • Bridge Loan for Rental Investors
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Rental

Our rental investment loans are flexible and versatile, giving you the leverage you need and the reliable capital you want.

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  • Portfolio Rental
  • Single Family Rental
  • Short-Term Rental
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Why Lima One

A Better Choice Than Traditional Hard Money Lenders in NC

Real estate investors need financing partners they can trust. Not all hard money lenders in North Carolina will offer straightforward terms or reliable closings. But Lima One Capital will. Our real estate team of more than 200 stands behind you to quote, underwrite, close, and service your loan with the utmost integrity and professionalism.

Get started today with a Line of Credit that completes the borrower underwriting step while showing you exactly how much you can borrow with Lima One. Then, when you have a deal in view, you’ll be ready to move quickly and take advantage of the real estate investment opportunity. Click the button above to get started, or contact us today to get more information about how Lima One provides solutions for North Carolina real estate investors.

North Carolina Real Estate Investment Case Studies

Blowing Rock, NC

Blowing Rock, NC

An experienced development group is developing a luxury mountain community in the heart of North Carolina’s Appalachian Mountains, and it needed financing to launch the next phase of the community. They decided to try a few construction lenders to see which could provide the best combination of rates, terms, closing time, and construction draw service. One of the lenders they contacted was Lima One.

View Case Study

Charlotte, NC

Charlotte, NC

In this deal, a Charlotte, North Carolina investor needed funding to his ground-up construction project in an up-and-coming area of Charlotte. When it’s completed, this 3,936-square foot home will include 4 bedrooms and 5 bathrooms, a 608-square foot detached garage, and energy-efficient appliances.

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Pineville, NC

Pineville, NC

A builder in North Carolina had been working on a large development within a growing suburb of Charlotte. Both the north and south ends of the development had been completed, and the builder was ready to finish the 100+ property project by connecting the two with an additional 51- lot section.

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Short - Term Rental - Asheville, NC
Asheville, NC

Short – Term Rental – Asheville, NC

A borrower wanted to finance two properties used as short-term rentals in the mountains of Western North Carolina. One was a duplex inside the city center of Asheville, and the other was a mountain cabin closer to area ski slopes.

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Winston-Salem, NC

Winston-Salem, NC

An investor group asked their commercial real estate broker to find financing for the purchase of a 246-unit multifamily property in Winston-Salem, NC. The investors needed financing both to buy the property and to complete interior and exterior upgrades in order to stabilize the rent roll.

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Charlotte, NC

Charlotte, NC

When a North Carolina real estate investor had only two weeks to close a loan on an investment property, they contacted Lima One.

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Private Money Loans in NC: Fast, Reliable Capital for Investors

In a fast-moving market like North Carolina, speed matters. Lima One is trusted among hard money lenders in NC because we provide the certainty investors need to act decisively. Our hard money loans cover everything from fix-and-flip projects in Charlotte to new construction in Asheville and rental investments in the Triangle.

North Carolina Private Money Lenders and Market Trends

With Cary and Durham ranked among the best U.S. real estate markets for 2025, investors are competing for deals at a record pace. That’s why working with experienced North Carolina private hard money lenders is a smart way to set yourself—and your portfolio—up for success.

Median home prices in North Carolina hit $387,800 in July 2025, up 1.4% year-over-year, while inventory rose by 22.5%. Homes are still moving quickly, averaging just 23 days on market. Charlotte and the Triangle, meanwhile, remain strong investment hubs thanks to job growth and population expansion. For those looking for their next investment opportunity, these conditions are excellent signs.

How to Secure a Hard Money Loan in NC

As trusted hard money lenders in North Carolina, we make the loan process straightforward so you can focus on your investments:

  1. Submit your loan request for your next project in Charlotte, Raleigh, Asheville, or anywhere else in NC.
  2. Get fast underwriting designed for investors who can’t wait on traditional financing.
  3. Close with confidence thanks to our reputation as reliable private money lenders in North Carolina.

With Lima One, securing hard money loans in NC means getting the speed and flexibility required to compete in one of the nation’s most active markets. Count on us to deliver capital when you need it most.

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