Private & Hard Money Lenders in Pickens County, SC
10 lenders funded 24 short-term investment-property loans in Pickens County in 2024 at a median rate of 10.20%. Ranked by verified loan volume — not paid placement.
Pickens County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | LIMA ONE CAPITAL, LLC | 6 | 10.20% | 1 |
| 2 | Churchill Funding I LLC | 6 | 10.00% | — |
| 3 | KIAVI FUNDING, INC. | 5 | 11.50% | 1 |
| 4 | SOUTHERN FIRST BANK | 1 | — | 3 |
| 5 | Arthur State Bank | 1 | — | 1 |
| 6 | FIRST PIEDMONT FEDERAL SLA | 1 | — | — |
| 7 | Loan Funder LLC | 1 | — | — |
| 8 | Merchants Mortgage & Trust Corporation | 1 | — | — |
| 9 | Temple View Capital Funding LP | 1 | — | — |
| 10 | WINGS FINANCIAL CREDIT UNION | 1 | — | — |
DSCR / long-term rental lenders in Pickens 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
10 lenders reported short-term, business-purpose investment loans in Pickens County in 2024 verified lending records — 24 loans totaling $17.1M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Pickens County's active lenders was 10.20% in 2024, with per-lender medians ranging from 10.00% to 11.50%. 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.