Private & Hard Money Lenders in Wayne County, NC
11 lenders funded 28 short-term investment-property loans in Wayne County in 2024 at a median rate of 11.00%. Ranked by verified loan volume — not paid placement.
Wayne County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 13 | 10.45% | 3 |
| 2 | LIMA ONE CAPITAL, LLC | 4 | 11.45% | 2 |
| 3 | Dominion Financial Services, LLC | 3 | 11.00% | — |
| 4 | Southern Bank and Trust Company | 1 | — | 8 |
| 5 | AgCarolina Farm Credit, ACA | 1 | — | 3 |
| 6 | Loan Funder LLC | 1 | — | 3 |
| 7 | RF Renovo Management Company, LLC | 1 | — | 1 |
| 8 | TowneBank | 1 | — | 1 |
| 9 | Easy Street Capital LLC | 1 | — | — |
| 10 | Merchants Bank of Indiana | 1 | — | — |
| 11 | RPE Home, Inc | 1 | — | — |
DSCR / long-term rental lenders in Wayne 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 Wayne County in 2024 verified lending records — 28 loans totaling $12.7M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Wayne County's active lenders was 11.00% in 2024, with per-lender medians ranging from 10.45% to 11.45%. 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.