Hard Money Lender in Charlotte, NC

Low Tide Private Lending provides fast, flexible financing for real estate investors in Charlotte and surrounding areas. We offer fix-and-flip loans, bridge loans, and investment property financing with local decision-making and fast closings.

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Fast, Flexible Funding for Real Estate Investors

Close in days, not weeks.
Up to 100% financing and personalized service every step of the way.

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Funding Designed for
Real Estate Investors
Who Want Results

Low Tide Private Lending helps Charlotte real estate investors acquire and renovate residential investment properties with financing designed around speed, flexibility, and certainty.

We move fast. Same-day term sheets and next-day draw funding mean you can focus on the deal, not the delay.

You’ll get direct access to decision makers, clear terms, and no surprises- ever.

We structure deals to fit your project- not the other way around.

Investing in Charlotte Real Estate

Charlotte is one of the Southeast’s fastest-growing real estate markets, offering significant opportunities for investors looking to acquire, renovate, and hold residential investment properties. From fix-and-flip projects to rental property acquisitions, Low Tide Private Lending provides financing solutions designed around the needs of real estate investors.

We lend throughout the Charlotte area and surrounding markets, including Charlotte, Concord, Huntersville, Matthews, Mint Hill, Cornelius, Davidson, Kannapolis, Pineville, Belmont, Mount Holly, and Monroe.

We also serve investors purchasing properties in nearby South Carolina markets, including Rock Hill and Fort Mill.

Frequently Asked Questions About Charlotte Hard Money Loans

  • Low Tide Private Lending provides hard money loans and private lending solutions for real estate investors throughout Charlotte and surrounding areas.

  • We finance eligible non-owner-occupied residential investment properties, including fix-and-flip projects, bridge loans, and rental property acquisitions.

  • Our in-house underwriting process allows qualified borrowers to close in as little as 10 business days, depending on the property and required documentation.

  • Yes. We provide financing solutions that can include rehab costs for eligible investment properties, subject to our lending guidelines.

  • Yes. We lend throughout the Charlotte area and surrounding markets, including Charlotte, Concord, Huntersville, Matthews, Mint Hill, Cornelius, Davidson, Kannapolis, Pineville, Belmont, Mount Holly, and Monroe. Low Tide Private Lending serves investors throughout South Carolina, North Carolina, and select Georgia markets.

Investing in Your Success

With a combined 25+ years experience in lending, we have an abundance of knowledge and resources to help our borrowers and investors succeed.

Proudly Lending

Loan to Cost

Up to 100%

Depending on Experience

Credit Score

Min 600

Lower scores evaluated case-by-case

Terms

6-12 Months

Depending on project & experience