24-hour term sheets

Fix and Flip Loans in Charlotte, NC

Charlotte is one of the fastest-growing cities in the Southeast with a booming financial sector driving housing demand. Investors find strong margins in established neighborhoods where renovated homes consistently sell above asking price.

Rate Range

9.90% - 11.90%

Max LTV/LTC

90% LTC / 75% LTV

Loan Term

6 - 18 months

Min Loan

$75,000

Apply for a Charlotte Fix & Flip Loan

Program Highlights

Fix & Flip Loan Details

Rates from 9.90% to 11.90%

Up to 90% of total project cost (LTC)

Up to 75% of as-is value (LTV)

6 to 18 month interest-only terms

$75,000 minimum loan amount

No appraisal required to close

24-hour term sheets on qualified deals

Funding in as little as 48 hours

Charlotte Market

Why Charlotte Investors Choose Us

Charlotte's status as the second-largest banking center in the U.S. brings a steady stream of professional relocations, creating buyer demand for move-in-ready homes. Neighborhoods like Plaza Midwood, NoDa, and South End have seen significant appreciation, while surrounding areas in Gastonia, Concord, and Rock Hill still offer strong acquisition-to-ARV spreads.

Our bridge loan program is designed for Charlotte investors who need to move quickly on distressed or off-market properties. With 24-hour term sheets and no appraisal required, you can lock up a deal and start renovations while conventional borrowers are still waiting on approvals.

Ready to fund your next Charlotte deal?

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Charlotte is one of many markets we serve. Learn more about our full Fix & Flip program.

View Fix & Flip Loan Details

Have a fix-and-flip deal in Charlotte?

Submit your deal in under 5 minutes. We review every application personally and respond within 2 business hours.

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