North Carolina Hard Money Lender
Crebrid is North Carolina’s tech-enabled private lender for short-term real estate capital—built for speed, certainty, and total transparency. From Charlotte flips to Raleigh rentals and Asheville new builds, we pair local expertise with a modern, borrower-driven platform so your project never stalls in a bank line.
Residential Transition & Hard Money Lending in North Carolina
Looking for reliable financing for your real estate investments in North Carolina? Crebrid is a leading hard money lender, providing flexible loan structures built for speed and simplicity. We offer fix-and-flip loans in Charlotte, bridge loans in Raleigh, and investment property loans across Durham and Fayetteville, helping investors seize opportunities without delays or bank hurdles.
Crebrid specializes in asset-based lending. We evaluate your project based on the property itself, not your income or credit score, so you can secure funding quickly and efficiently. Whether you're flipping in Charlotte or securing a rental in Winston-Salem, Crebrid is your go-to capital partner in North Carolina.
What is a Hard Money Loan?
A hard money loan (also known as a residential transition loan “RTL”) from Crebrid offers a flexible alternative to traditional financing, leveraging your property as collateral instead of relying on income verification. Perfect for investors with valuable real estate but limited personal income, our hard money loans feature competitive interest rates and favorable repayment terms, helping you close deals faster.
Cities We Serve in North Carolina
Ready to take the next step in your real estate journey in North Carolina? Crebrid offers hard money loan options across the state, helping you unlock financing in top metro areas and growing markets.
Loan Options
Explore short-term real estate financing options designed specifically for North Carolina investors:
Finance the purchase and rehab of distressed properties with ARV-based loan structures, ideal for quick turnarounds in competitive North Carolina markets. These loans cover both acquisition and renovation costs, enabling you to maximize your working capital for your next flip.
Learn MoreClose on investment properties quickly while you secure long-term financing or reposition assets in North Carolina's high-demand markets. Our bridge loans let you act fast, so you can lock in your properties before the competition.
Learn MoreFund new construction projects, from ground-up builds to multi-unit developments, in North Carolina’s expanding metro areas. Whether you're building in Raleigh or Greensboro, our flexible loans ensure your projects get the capital needed to succeed.
Learn MoreUnlock equity or shift short-term notes into long-term financing without interrupting your investment timeline. Our refinance loans are designed to provide you with the flexibility you need to scale your portfolio in North Carolina’s evolving real estate market.
Learn MoreHow Our Process Works in North Carolina
At Crebrid, we understand that time is money. That’s why we offer fix-and-flip loans based on After-Repaired Value (ARV) to cover up to 90% of project costs. We back every loan with clear underwriting, direct communication, and a tech-driven platform that ensures your funding stays on schedule. From initial approval to draw management, our process is built to eliminate delays and keep your project on track and profitable.
Our tech-powered platform puts you in control. Move through the application process on your schedule, without unnecessary back-and-forth. It’s built to get you further, faster—with no wasted time.
We’re plugged into institutional capital and capital-markets partners, giving your deal the balance-sheet strength, consistency, and scale that mom-and-pop lenders can’t match—through market cycles, not just fair weather.
Choose your leverage, term, and fee profile to fit the project—not the other way around. Every dollar is visible up front: rate, points, costs, draw schedule, and timelines—no “gotchas,” ever.
We coordinate attorney closings across North Carolina and keep projects moving with responsive inspections and same-day draw decisions whenever possible. You’ll always know what’s next and who’s on it.
Short-term loans that are purpose-built for North Carolina investors—designed to close quickly, keep construction funded, and provide institutional-grade certainty with modern, no-nonsense transparency.
They Hit Submit. We Did the Rest.
Submit Your North Carolina Deal Today
North Carolina Real Estate Market Insights
North Carolina’s 2025 market shows steady price growth, strong new construction, and metro-level bifurcation:
- Statewide Growth: The median sale price reached $390,500 in August 2025, up 2.3% YoY. See the North Carolina housing overview for the full trend.
- Triangle Momentum: Raleigh hit a $468,000 median housing price in August, +6.4% YoY, with homes selling in 46 days on average.
- New-Build Tailwind (CLT): New construction is doing heavy lifting in Charlotte–Concord–Gastonia, where 28.6% of active listings are new builds, priced only modestly above existing homes, per Realtor.com’s new-construction report.
Explore More States Across the Country
Crebrid provides hard money loans to clients across the USA.
Additional Resources
How to Scale from One Flip to Multiple Properties Successfully
08.25.2025
Using Data to Forecast Market Trends and Time Your Flip
08.25.2025
The Most Overlooked Steps in Property Due Diligence
08.25.2025North Carolina Real Estate Investing FAQs
Here are some common questions North Carolina real estate investors have about hard money loans. Whether you’re new to real estate investing or experienced, these answers can help clarify the process and set you on the right path.
Interest rates on loans in North Carolina depend on deal specifics like property type and investor experience. Crebrid offers competitive rates based on asset value—not personal income—so you get the capital you need to succeed, no matter your financial background.