Private & Hard Money Lenders in Cumberland County, NC
11 lenders funded 184 short-term investment-property loans in Cumberland County in 2024 at a median rate of 10.75%. Ranked by verified loan volume — not paid placement.
Cumberland County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 110 | 10.75% | 33 |
| 2 | RF Renovo Management Company, LLC | 34 | 10.25% | 12 |
| 3 | LendingOne LLC | 14 | 10.49% | 19 |
| 4 | LIMA ONE CAPITAL, LLC | 9 | 10.60% | 8 |
| 5 | Easy Street Capital LLC | 7 | 10.90% | — |
| 6 | Loan Funder LLC | 3 | 11.00% | 8 |
| 7 | RPE Home, Inc | 3 | 12.00% | — |
| 8 | Dominion Financial Services, LLC | 1 | — | 8 |
| 9 | Presidential Bank, FSB | 1 | — | 1 |
| 10 | Merchants Bank of Indiana | 1 | — | — |
| 11 | Temple View Capital Funding LP | 1 | — | — |
DSCR / long-term rental lenders in Cumberland 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
11 lenders reported short-term, business-purpose investment loans in Cumberland County in 2024 verified lending records — 184 loans totaling $46.1M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Cumberland County's active lenders was 10.75% in 2024, with per-lender medians ranging from 10.25% to 12.00%. 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.