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Anchorwood Lending

CUMBERLAND COUNTY · NORTH CAROLINA

Hard Money Loans in Fayetteville, NC

Hard money for entity borrowers renovating residential property in Cumberland 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.

Fayetteville and the Sandhills

Fayetteville is the seat of Cumberland County, in the Sandhills region where the Coastal Plain meets the Piedmont. Anchorwood Lending provides business-purpose loans to real estate investors working in and around the city.

We finance fix-and-flip and value-add residential deals. Borrowers must hold the property in an LLC or another legal entity — this is commercial lending, and nothing we do is available for a personal residence.

Terms are the same here as everywhere we lend: one product, published pricing, and a written term sheet before you commit. The loan closes through a local attorney with rehab funds released in draws against completed work.

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

Loan program

What a Fayetteville loan costs

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

HOW IT WORKS

Contract to payoff, in five steps.

Underwriting in 1–2 business days. Closings in Fayetteville 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.

Months 1–6 · $0 due

No monthly payments while you renovate.

During a rehab in Fayetteville, 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.

Frequently asked

Can I get terms in writing before I commit?
Yes. We review your comps and scope, run our own numbers, and put terms in writing. You will know what the money costs before you go further.
What leverage do you offer?
Up to 90% of the purchase price and up to 100% of the rehab budget, subject to underwriting and the after-repair value.
Do you require reserves?
We ask borrowers to attest to liquid funds equal to at least 10% of the loan amount, because draws reimburse work after it is completed.
Is a soft credit check part of the process?
Yes, a soft credit check is run at application. It does not affect your credit score.

WHO WE LEND TO

Business-purpose borrowers in Fayetteville

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

We also lend nearby

See every North Carolina market we lend in

Got a Fayetteville 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.