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Anchorwood Lending

WAYNE COUNTY · NORTH CAROLINA

Hard Money Loans in Goldsboro, NC

Business-purpose fix-and-flip loans for investors in Wayne 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.

Working with Goldsboro investors

Goldsboro is the seat of Wayne County, on the Neuse River in the North Carolina Coastal Plain. Anchorwood Lending makes business-purpose loans to investors renovating residential property in this market.

The loans are for fix-and-flip and value-add work, written to LLCs and other entities. We are not a consumer lender and do not finance owner-occupied purchases of any kind.

What we look at is the deal: the purchase price, the scope, the after-repair value and the exit. We underwrite it the way we underwrite our own renovation projects, and we say so early if the numbers do not work.

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

HOW IT WORKS

Contract to payoff, in five steps.

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

Loan program

What a Goldsboro 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 Goldsboro

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 Goldsboro, 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.

Goldsboro FAQ

How fast is underwriting?
Typically one to two business days once we have the deal details, with closings in as few as five business days when documents are in order.
What happens after month six?
The loan converts from deferred interest to monthly interest-only at 16% for months seven through twelve. Most fix-and-flip projects pay off before reaching that point.
What security do you take?
A first-position deed of trust on the property, closed through a North Carolina attorney.
Do you fund wholesalers?
We work with wholesalers who need transactional funding, as well as fix-and-flip borrowers and investors using a bridge loan on a BRRRR project. All of it is business-purpose and entity-held.

We also lend nearby

See every North Carolina market we lend in

Got a Goldsboro 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.