Hard Money Loans in South Carolina
Browse 15 lenders offering hard money loans in South Carolina. Compare rates, requirements, and loan programs — then connect directly.
Who are the Hard Money lenders in South Carolina?
15 lenders offering hard money loans to borrowers in South Carolina.
Anchor Loans
Thousand Oaks, CA
One of the largest hard money lenders in the US. Fix-and-flip, bridge, and rental loans. Fast closings with competitive terms for experienced investors.
Broadmark Realty Capital
Seattle, WA
Private real estate lender offering bridge, construction, and land loans. Now part of Ready Capital. Loans from $500K to $25M+.
Civic Financial Services
Redondo Beach, CA
Private money lender for residential investment properties. Bridge and DSCR rental loans. Subsidiary of Pacific Western Bank.
Constitution Lending
NJ
Hard money lender focused on new investors. Fix-and-flip and bridge loans with 9.5-12% rates. No experience required. Up to 90% LTV for renovation.
Easy Street Capital
Austin, TX
Investment property lender specializing in fix-and-flip, bridge, and DSCR rental loans. Loans approved in 24 hours, close in 48 hours. Min credit score 600.
Groundfloor
Atlanta, GA
Real estate lending platform offering fix-and-flip and bridge loans. Crowdfunding model provides competitive rates for borrowers.
Lending One
Boca Raton, FL
National direct lender for real estate investors. Fix-and-flip, bridge, and 30-year DSCR rental loans. $5B+ in originations.
New Silver Lending
FL
Direct lender for real estate investors. DSCR loans with no minimum DSCR requirement. Also offers fix-and-flip, bridge, and construction loans.
Park Place Finance
TX
Direct private lender with 17+ years experience. $1B+ in loans closed. Bridge loans for fix-and-flip, refinance, and cash-out.
RCN Capital
South Windsor, CT
Nationwide private lender for fix-and-flip, bridge, and rental loans. Fast closings and flexible terms.
Residential Capital Partners
TX
Hard money lender offering up to 85% LTV with no down payment option. Rates starting at 8.5%. Mixed-use, single-family, and multifamily.
Stbridge Capital
Los Angeles, CA
Private money lender in California. Bridge, fix-and-flip, and ground-up construction loans. Fast closings for experienced investors.
Tidal Loans
Houston, TX
Texas-based private money lender. Hard money, bridge, and DSCR rental loans for real estate investors nationwide.
Aloha Capital
HI
Private lender offering DSCR rental loans with up to 80% cash-out refinance. Also provides bridge and fix-and-flip financing for investment properties.
Temple View Capital
UT
Private lender offering DSCR rental loans, bridge financing, and fix-and-flip loans for real estate investors. Fast closings with flexible qualification criteria.
How do hard money loans work in South Carolina?
Hard money loans are short-term, asset-based real estate loans used when speed and collateral matter more than full bank underwriting. They are common for fix-and-flip projects, distressed acquisitions, and short bridge periods before a sale or refinance. In South Carolina, 15 lenders currently offer Hard Money financing with loan amounts from $50K to $10M and rates typically ranging from 9% - 12%+.
What does the South Carolina market look like?
South Carolina has attracted major manufacturing investments from BMW, Boeing, Volvo, and others, establishing a strong advanced manufacturing corridor. Charleston's port growth and tourism economy drive significant CRE demand along the coast.
South Carolina assesses commercial property at only 6% of fair market value, one of the lowest assessment ratios in the nation, resulting in favorable effective tax rates for CRE investors. The state's fee-in-lieu-of-taxes (FILOT) program allows negotiated property tax rates for qualifying manufacturing and commercial projects, often reducing effective rates by 50% or more. Charleston's rapid growth has created a competitive CRE market, but the city's aggressive flood mitigation requirements and the Dutch Dialogues-inspired stormwater management standards add costs that investors should factor into coastal commercial development budgets.
Who should consider hard money loans?
- Fix-and-flip investors
- Distressed property acquisitions
- Auction or deadline-driven closings
- Short bridge periods before sale or refinance
What are the key requirements?
- Property or ARV support (often capped near 70-75%)
- Clear exit plan
- Cash for down payment, fees, and overruns
- Appraisal or valuation review
What are the pros and cons?
Advantages
- ✓Fast closings
- ✓Interest-only payments are common
- ✓Rehab funding is available on many deals
- ✓More flexible than bank underwriting
Considerations
- •Higher rates and points than bank or DSCR debt
- •Short terms with real refinance pressure
- •Property type and rural limits are common
- •Extension and draw fees can add up fast
Frequently asked questions about hard money loans
Is hard money the same as a bridge loan? ▼
Can I get a hard money loan with bad credit? ▼
Before you compare hard money lenders in South Carolina
Rate alone is not enough on a short-term loan. Use the hard money overview for ARV and LTC benchmarks, read Bridge vs. Hard Money if the quotes blur together, check Bridge-to-DSCR Refinance if your exit is a rental refi, and keep current rate ranges open while you compare term sheets.
Where can I find hard money loans by city in South Carolina?
Guides & resources
Find Hard Money Lenders in South Carolina
Get matched with lenders offering hard money loans in SC. Free for borrowers.
Get Matched — Free →