Private & Hard Money Lenders in Richland County, SC
24 lenders funded 139 short-term investment-property loans in Richland County in 2024 at a median rate of 10.90%. Ranked by verified loan volume — not paid placement.
Richland County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 50 | 11.50% | 24 |
| 2 | Loan Funder LLC | 24 | 11.50% | 10 |
| 3 | LendingOne LLC | 9 | 10.99% | 6 |
| 4 | Arthur State Bank | 7 | 8.00% | 9 |
| 5 | Easy Street Capital LLC | 6 | 10.90% | — |
| 6 | LIMA ONE CAPITAL, LLC | 5 | 9.95% | 15 |
| 7 | First Community Bank | 5 | 7.65% | 8 |
| 8 | ABL RPC Residential Credit Acquisition LLC | 5 | 12.50% | 2 |
| 9 | Investmark Mortgage LLC | 5 | 13.99% | — |
| 10 | First Ciitizens Bank and Trust | 4 | 6.70% | 16 |
| 11 | SECURITY FEDERAL BANK | 3 | 8.00% | 4 |
| 12 | Assurance Financial Group, L.L.C. | 3 | 9.84% | 1 |
| 13 | SOUTHERN FIRST BANK | 2 | — | — |
| 14 | BPL Mortgage, LLC | 1 | — | 16 |
| 15 | Ameris Bank | 1 | — | 8 |
| 16 | Dominion Financial Services, LLC | 1 | — | 4 |
| 17 | First Palmetto Bank | 1 | — | 3 |
| 18 | Ice Lender Holdings LLC | 1 | — | — |
| 19 | INDEPENDENT BANK | 1 | — | — |
| 20 | Merchants Mortgage & Trust Corporation | 1 | — | — |
| 21 | Metropolitan Life Insurance Co | 1 | — | — |
| 22 | RPE Home, Inc | 1 | — | — |
| 23 | Secured Investment Corp | 1 | — | — |
| 24 | Temple View Capital Funding LP | 1 | — | — |
DSCR / long-term rental lenders in Richland 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
24 lenders reported short-term, business-purpose investment loans in Richland County in 2024 verified lending records — 139 loans totaling $59.4M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Richland County's active lenders was 10.90% in 2024, with per-lender medians ranging from 6.70% to 13.99%. 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.