Private & Hard Money Lenders in Spartanburg County, SC
12 lenders funded 107 short-term investment-property loans in Spartanburg County in 2024 at a median rate of 11.20%. Ranked by verified loan volume — not paid placement.
Spartanburg County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | ABL RPC Residential Credit Acquisition LLC | 39 | 10.25% | 14 |
| 2 | Loan Funder LLC | 22 | 11.25% | 5 |
| 3 | KIAVI FUNDING, INC. | 21 | 11.00% | 13 |
| 4 | LIMA ONE CAPITAL, LLC | 16 | 11.20% | 6 |
| 5 | RPE Home, Inc | 2 | — | — |
| 6 | First Ciitizens Bank and Trust | 1 | — | 7 |
| 7 | Arthur State Bank | 1 | — | 4 |
| 8 | COASTAL CAROLINA NATIONAL BANK | 1 | — | 3 |
| 9 | Dominion Financial Services, LLC | 1 | — | 2 |
| 10 | Easy Street Capital LLC | 1 | — | — |
| 11 | Merchants Mortgage & Trust Corporation | 1 | — | — |
| 12 | Secured Investment Corp | 1 | — | — |
DSCR / long-term rental lenders in Spartanburg 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
12 lenders reported short-term, business-purpose investment loans in Spartanburg County in 2024 verified lending records — 107 loans totaling $26.8M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Spartanburg County's active lenders was 11.20% in 2024, with per-lender medians ranging from 10.25% to 11.25%. 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.