North Carolina Hard Money Loans for Real Estate Investors

Fix & Flip
Loans

We proudly work with real estate investors who transform distressed properties into beautiful homes, offering 12-month interest-only bridge loans to both new and experienced North Carolina investors with competitive rates for both single-family and multi-family projects. Our team provides loan approval in as quickly as 24 hours with closings in just a few days when paperwork is ready, ensuring you never miss an opportunity in this competitive market. We fund up to 85% of property purchase price and 100% of rehab costs, giving North Carolina investors the capital they need to acquire properties and begin renovations immediately.

Explore Our Loan Programs - Fix & Flip

New Construction
Loans

With North Carolina experiencing record-low housing inventory and peak demand for residential new construction, we provide hard money loans with competitive rates, flexible underwriting, and fast draw turnarounds for experienced investors, contractors, and builders. Our new construction loans allow borrowing up to 70% of land value and 100% of construction costs, giving you the capital needed to capitalize on current market opportunities. We tailor each loan to fit your individual project by assessing both investor experience and property viability, ensuring profitable outcomes for all parties involved while providing the customized financing solution your North Carolina development needs.

Explore Our Loan Programs - New Construction

Rental
Loans

We offer the most reliable rental loans for North Carolina BRRRR investors looking to secure or refinance 1-4 family properties, with competitive rates starting as low as 6%, up to 80% LTV, and flexible options including 30-year amortization, ARM, and interest-only plans. Our unique capital structure allows us to provide both single rental loans and portfolio loans up to $3M each, available to investors at all experience levels based on each property’s income-producing potential. As experts in North Carolina’s local real estate markets, we’re dedicated to delivering a five-star experience throughout the loan process, creating customized solutions that support your long-term investment strategy.

Explore Our Loan Programs - Rental Loans

Home of the Only True Zero-Point Program

Get Started Today
  • No Pre-Pay Penalty
  • No Exit Fees
  • Available for All Experience Levels
Get Started Today

North Carolina Real Estate Market Highlights

Median Sale Price
$367,500
Feb. 2025
Median Days on Market
63 Days
Feb. 2025
Monthly Homes Sold
9,497
Feb. 2025
Icon - Sold Above Listing
Homes Sold Above Listing Price
17%
Feb. 2025
Avg Fix & Flip Gross ROI
30%
Q3 2024
Avg Fix & Flip Gross Profit
$66,000
Q3 2024
 
 

Recently Funded

Check out some of our recent projects:
Durham North Carolina Fix And Flip Loan
Property Purchase & Rehabilitation
$406,000
Durham, NC
Fix And Flip — Single Family
Asheville NC Fix And Flip Loan
Property Purchase & Rehabilitation
$429,000
Asheville, North Carolina
Fix & Flip — Single Family Detached
Franklinton North Carolina New Construction Loan
Property New Construction
$2,395,000
Franklinton, North Carolina
New Construction — Five Single Family Homes
Wilmington North Carolina Hard Money Fix And Flip Loan
Property Purchase & Rehabilitation
$282,000
Wilmington, NC
Gut Renovation — Single-Family Detached
Salisbury North Carolina DSCR Rental Loan
Cash Out Refinance
$1.10M
Salisbury, North Carolina
View More Recently Funded

Real Reviews from Real Borrowers

 

Great experience! They always answered or returned my calls immediately and walked me through the entire process and made sure all my questions were answered. I had a couple of questions weeks after my loan closed and they still responded immediately and made sure i was taken care of. Great experience and I would highly recommend ABL.

Cindy G.

I am glad I got to know Asset Based Lending, they made funding for my construction site very simple. They have a great team of people, that would go out of their way to help. Boris has been great and very helpful, I highly recommend them for all your Construction financing needs.

Mike A.

I have had the pleasure of working with Boris Akbashev for my real estate financing needs on my last 10-15 projects, and I cannot speak highly enough of his professionalism and expertise. Boris demonstrated a deep understanding of the lending process and went above and beyond to ensure I secured the best possible terms.

John S.

Truly a pleasure having ABL on every deal! Thanks to their lending experise and timely support and guidance throughout the process to get the best loan for my deals. I can see my company growth from 1-2 flips to numerous flips, new construction, and DSCR loan to grow my portfolio.

Pedro E.

Asset Based Lending is the place to shop for all your construction needs. Their easy funding policy, makes life so much simpler for any builder to focus on building and not be worried about financing project. Boris was supper helpful to accommodate me with all me financing needs.

Ray P.