Private & Hard Money Lenders in Lincoln County, NC
6 lenders funded 15 short-term investment-property loans in Lincoln County in 2024 at a median rate of 10.95%. Ranked by verified loan volume — not paid placement.
Lincoln County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 10 | 10.95% | — |
| 2 | Peoples Bank | 1 | — | 6 |
| 3 | LendingOne LLC | 1 | — | 2 |
| 4 | Arixa Enhanced Income Fund, LP | 1 | — | — |
| 5 | Churchill Funding I LLC | 1 | — | — |
| 6 | LIMA ONE CAPITAL, LLC | 1 | — | — |
DSCR / long-term rental lenders in Lincoln 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
6 lenders reported short-term, business-purpose investment loans in Lincoln County in 2024 verified lending records — 15 loans totaling $8.6M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Lincoln County's active lenders was 10.95% in 2024. 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.