Where We Lend · North Carolina
Hard money loans for North Carolina flips and rentals.
North Carolina is adding residents faster than almost any state in the country. Charlotte's banking economy and the Triangle's university and tech jobs keep that growth spread statewide.
Business-purpose loans to entities secured by non-owner-occupied North Carolina real estate only. Terms subject to underwriting; rates and terms vary by deal and state. BK #0944451.
Versara
Fix & Flip Loans
Up to 85% LTV* with rehab draws, sized for Charlotte and Triangle flip timelines. Rates from 10.99%.*
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Versara
Rental & Buy-and-Hold
Qualify on the asset and its cash flow.
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*Starting rate and maximum leverage are for qualified transactions and subject to underwriting. Actual rate, LTV, and LTC vary by deal, program, and state.
From Uptown to the Blue Ridge.
Charlotte
Charlotte runs on banking and corporate relocation. Flip inventory spans price points, from Uptown rehabs to outer-ring value-add.
Raleigh-Durham & the Triangle
Research employers and major universities keep rental demand steady. Renovation-ready houses keep turning over.
Winston-Salem & Greensboro
The Triad trades at a real discount to Charlotte and Raleigh. That means a lower basis and plenty of dated housing left to improve.
Asheville & the mountains
Asheville runs on tourism and second homes. We know these towns and underwrite each deal ourselves.
Wilmington & the coast
Coastal demand keeps rental and short-term rehab projects moving. Buyers skip slow bank approvals and close with hard money instead.
The commuter belts
Concord, Gastonia, Cary, and Apex absorb overflow from Charlotte and the Triangle. New construction and renovated older homes both keep pace with demand.
- Charlotte
- Raleigh
- Durham
- Chapel Hill
- Cary
- Apex
- Concord
- Gastonia
- Huntersville
- Winston-Salem
- Greensboro
- High Point
- Asheville
- Wilmington
- Fayetteville
- Hickory
This isn't the complete list. We lend on investment property anywhere in North Carolina, so if your market isn't listed, just ask.
Local questions, local answers.
All FAQsDo you lend statewide in North Carolina?
Yes. Versara funds investment property across North Carolina, from Charlotte and the Triangle to the Triad, the mountains, and the coast.
How is the Charlotte market different from Raleigh?
Charlotte's economy runs on banking and corporate relocation, which favors faster flips near the urban core. Raleigh-Durham leans on universities and research employers, which supports steadier buy-and-hold plays.
Do I need to close in a business entity in North Carolina?
Yes. All our loans are business-purpose loans made to entities, the same standard we use in every state where we lend.
Ready when you are
Fund your next North Carolina deal fast.
Apply in three minutes. Get a written quote in 24 hours, whether the deal's in Uptown Charlotte or out past the Triangle.
investor projects funded, $100M+ in closed loans.
24hrwritten quotes on North Carolina deals, statewide.