Private & Hard Money Lenders in Surry County, NC
5 lenders funded 8 short-term investment-property loans in Surry County in 2024 at a median rate of 11.49%. Ranked by verified loan volume — not paid placement.
Surry County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 3 | 11.49% | — |
| 2 | Churchill Funding I LLC | 2 | — | — |
| 3 | THE FIRST BANK & TRUST COMPANY | 1 | — | 2 |
| 4 | BANK OZK | 1 | — | 1 |
| 5 | Loan Funder LLC | 1 | — | — |
DSCR / long-term rental lenders in Surry 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
5 lenders reported short-term, business-purpose investment loans in Surry County in 2024 verified lending records — 8 loans totaling $1.7M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Surry County's active lenders was 11.49% 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.