Private & Hard Money Lenders in Charlotte County, FL
19 lenders funded 130 short-term investment-property loans in Charlotte County in 2024 at a median rate of 11.50%. Ranked by verified loan volume — not paid placement.
Charlotte County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 40 | 11.50% | 4 |
| 2 | LIMA ONE CAPITAL, LLC | 17 | 10.95% | 3 |
| 3 | Loan Funder LLC | 16 | 11.50% | 8 |
| 4 | Churchill Funding I LLC | 13 | 11.00% | 1 |
| 5 | Temple View Capital Funding LP | 10 | 12.00% | 5 |
| 6 | ABL RPC Residential Credit Acquisition LLC | 9 | 12.75% | 1 |
| 7 | Easy Street Capital LLC | 7 | 10.90% | — |
| 8 | Dominion Financial Services, LLC | 6 | 11.00% | 3 |
| 9 | American Heritage Lending, LLC | 2 | — | 8 |
| 10 | LendingOne LLC | 1 | — | 2 |
| 11 | VELOCITY COMMERCIAL CAPITAL LLC | 1 | — | 2 |
| 12 | Carrollton Bank | 1 | — | — |
| 13 | Conventus Lending LLC | 1 | — | — |
| 14 | Equity Wave Lending, Inc. | 1 | — | — |
| 15 | Genesis Capital, LLC | 1 | — | — |
| 16 | Merchants Mortgage & Trust Corporation | 1 | — | — |
| 17 | Secured Investment Corp | 1 | — | — |
| 18 | SmartBank | 1 | — | — |
| 19 | VAL-CHRIS INVESTMENTS INC. | 1 | — | — |
DSCR / long-term rental lenders in Charlotte County
These lenders reported only longer-term (>36 month) business-purpose rental loans here in 2024— a different product from hard money, listed separately so the two aren't conflated.
Frequently asked questions
19 lenders reported short-term, business-purpose investment loans in Charlotte County in 2024 verified lending records — 130 loans totaling $81.9M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Charlotte County's active lenders was 11.50% in 2024, with per-lender medians ranging from 10.90% to 12.75%. Hard money runs well above conventional mortgage rates because loans are short, asset-based, and close fast.
Verified public lending records for 2024. We count originated, business-purpose loans on investment properties with terms of 36 months or less — the bridge and fix-and-flip products hard money lenders make. Rankings reflect verified loan counts, never paid placement.