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Anchorwood Lending

MECKLENBURG COUNTY · NORTH CAROLINA

Hard Money Loans in Charlotte, NC

Twelve-month interest-only financing for entity borrowers in Mecklenburg County.

Start your application

Three quick questions, then the deal details. A real person — not a call center — follows up.

Business-purpose loans to LLCs and other entities only. No owner-occupied loans. Soft credit check at application.

Charlotte and Mecklenburg County

Charlotte is the seat of Mecklenburg County and the largest city in North Carolina, in the Piedmont region in the south-central part of the state. Anchorwood Lending provides business-purpose loans to real estate investors working in this market.

We finance fix-and-flip and value-add residential projects for borrowers holding title in an LLC or another legal entity. This is commercial lending: no consumer loans, no owner-occupied purchases, no exceptions.

The terms published on this site are the terms. One product, one price, and a written term sheet before you commit — rather than a number that changes after three phone calls.

Start a loan application or read more about how we lend across North Carolina.

Loan program

What a Charlotte loan costs

One fix-and-flip product, priced the same way for every borrower. You know what the money costs before you apply.

WHO WE LEND TO

Business-purpose borrowers in Charlotte

Anchorwood lends to LLCs and other legal entities only. We do not make consumer loans and we do not finance owner-occupied property.

Months 1–6 · $0 due

No monthly payments while you renovate.

During a rehab in Charlotte, every dollar that goes to a lender is a dollar that is not buying cabinets or paying a sub. For qualified borrowers we let the first six months of interest accrue and collect it at payoff, straight off the settlement statement when the property sells.

After month six the loan converts to monthly interest-only. Fast projects never get there.

Cash out of your pocket

$200,000 loan, fully drawn · 12% · months 1–6

Illustrative, assuming the full loan is drawn from day one. Interest accrues on the outstanding balance and is collected at payoff. Deferral available to qualified borrowers, subject to underwriting.

Charlotte lending questions

Are your terms negotiable?
The program is priced the same for every borrower: 12% for months one through six, 16% for months seven through twelve, two points, no prepayment penalty. What varies is leverage, which depends on the deal.
What loan amounts do you write?
$50,000 to $400,000 on a twelve-month, interest-only term.
Do you lend to out-of-state investors?
The property must be in North Carolina and the borrower must be a legal entity. Where you are based matters less than the deal and the entity.
How do I start?
Answer three questions in the form on this page, then complete the full application with your deal details. A soft credit check is run at application.

HOW IT WORKS

Contract to payoff, in five steps.

Underwriting in 1–2 business days. Closings in Charlotte run through a local attorney, and can happen in as few as 5 days when your documents are in order.

  1. 01

    Apply

    Quick call, then a short application: deal details, LLC docs, soft credit check.

  2. 02

    Term sheet

    We review your comps and scope, run our own numbers, and put terms in writing.

  3. 03

    Attorney closing

    Your local closing attorney runs it. We wire once title, insurance and the HUD check out.

  4. 04

    Draws in the portal

    Upload photos of completed work. Draws release within 1–2 business days.

  5. 05

    Payoff at sale

    Balance and deferred interest settle on the HUD when the house sells.

We also lend nearby

See every North Carolina market we lend in

Got a Charlotte deal under contract?

Send it over. We’ll tell you straight whether it works for us — and if it does, you’ll have terms in writing fast.

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Business-purpose loans to LLCs and other entities only. No owner-occupied loans. Soft credit check at application.