Private & Hard Money Lenders in Cleveland County, NC
9 lenders funded 21 short-term investment-property loans in Cleveland County in 2024 at a median rate of 10.90%. Ranked by verified loan volume — not paid placement.
Cleveland County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 9 | 10.20% | 2 |
| 2 | Easy Street Capital LLC | 3 | 10.90% | — |
| 3 | THE FIDELITY BANK | 2 | — | 5 |
| 4 | ABL RPC Residential Credit Acquisition LLC | 2 | — | — |
| 5 | LIMA ONE CAPITAL, LLC | 1 | — | 2 |
| 6 | Dominion Financial Services, LLC | 1 | — | 1 |
| 7 | Loan Funder LLC | 1 | — | 1 |
| 8 | Churchill Funding I LLC | 1 | — | — |
| 9 | RPE Home, Inc | 1 | — | — |
DSCR / long-term rental lenders in Cleveland 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
9 lenders reported short-term, business-purpose investment loans in Cleveland County in 2024 verified lending records — 21 loans totaling $4.0M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Cleveland County's active lenders was 10.90% in 2024, with per-lender medians ranging from 10.20% to 10.90%. 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.