Florence’s Trusted Hard Money Lender for Real Estate Investors

If you’re seeking a long-term capital partner, our hard money investor loans align with operators who value consistency over the cheapest rate. We specialize in private money lending built for fast funding at the offer stage, after a term sheet, and throughout the draw process. Ideal fits run their real estate investments through an LLC or corporation and want seasoned guidance on construction and capital. In Florence, our hard money lending expertise pairs with targeted construction loans to keep projects moving, and we structure timelines so you close quickly while safeguarding budgets and exit strategies.

To start your real estate investment loan with us, complete the loan application through a business entity—LLC or corporation—never as an individual, and use proceeds solely for investment or business purposes. For investment property financing in Florence, we typically request formation documents, EIN, bank statements, purchase contract, leases or rent roll, tax returns, and a rehab budget.

- Government-issued ID
- EIN Letter
- Certificate of Good Standing
- Credit Report
- Bank Statements
- Background Check
- Purchase and Sale Agreement

We provide business purpose loans to qualified investors with strong histories, and we determine the credit score for a hard money loan using the median FICO score from a tri-merge report—or the lower of two when only two scores appear. Representative scores under 600 are not eligible for our investment property loans. This disciplined approach lets us deliver competitive terms on private loans in Florence, aligning capital with each borrower’s objectives while keeping closings efficient.

Ready to get moving? We offer first time real estate investor loans to newcomers and seasoned pros, guiding you from your first fix and flip in Florence to portfolio growth with our rental property loans. With streamlined loan programs, responsive underwriting, and accessible capital, we help you act fast and with confidence. Count on us for transparent terms, quick closings, and fix and flip funding that supports timely renovations and profitable exits, whether you’re buying, rehabbing, or refinancing.

Skip paystubs—our investment property loans don’t require personal income verification. Backed by experience, we offer private real estate loans in Florence through asset based lending, qualifying you on down payment strength and verified liquidity. We underwrite with a DSCR focus, prioritizing the property’s cash flow, so these are true DSCR loans. This performance-first approach helps real estate investors qualify sooner, scale strategically, and grow portfolios with confidence while we move efficiently from approval to closing.

As a direct lender, we guide investors who need to move quickly with fast loan approval and same-day pre-approvals or term sheets when possible. Final sign-off hinges on clear title and thorough property valuation, and our hybrid reviews typically finish within 3–5 business days. Moreover, our hard money loans in Florence can close in as little as 10 days, helping you secure financing for competitive deals while we keep underwriting transparent, timelines tight, and communication straightforward.

With deep roots in construction and lending, we understand investor challenges better than most hard money lenders and move fast. We close private money loans in Florence in as little as 10 days, tailor terms to your project, and prioritize lasting partnerships. Rates start at 9.25%, and our real estate loans can reach 92.5% LTC—delivering institutional capital, pragmatic underwriting, and high leverage loans with the attentive service of an experienced private money lender.

As a hard money lender, we move faster and adapt more than banks, focusing on investment real estate loans that meet investors’ timelines and strategies. Expect fast closing loans in days and flexible structures that support creative deals. Our streamlined, transparent process keeps you informed from start to finish, making fix and flip projects, bridge loans, DSCR loans, and new construction lending in Florence more efficient and predictable for entrepreneurs seeking reliable capital and a responsive lending partner.

As a nationwide direct lender, we fund fix and flip loans, DSCR loans, new construction, and bridge loans in Florence and throughout South Carolina, while serving most other U.S. markets. We don’t lend in Alaska, Arizona, Minnesota, South Dakota, or North Dakota, and we avoid direct lending in Baltimore, Chicago, and Detroit. In Nevada, Washington, Oregon, and Utah, we work exclusively through licensed brokers. For all other regions, we provide business purpose loans backed by reliable private capital solutions, helping investors move quickly with confidence.

As a lender focused on relationships, we make applying for a real estate investment loan straightforward and personal. Start with our online loan calculator, then an Account Executive connects to discuss your project, qualifications, and tailored real estate investor financing. From pre approval through valuation, title, and draws, we coordinate each milestone and communicate clearly so real estate investors in Florence move from offer to closing with confidence, speed, and a strategy aligned to their goals.