• Carolina Capital Management

    Making Hard Money Easy

  • Carolina Capital Management

    Making Hard Money Easy

  • Carolina Capital Management

    Making Hard Money Easy

Welcome!  We're ready to invest in your success.

Are you?

Carolina Capital Management is a hard money lender serving the needs of the real estate investor and the small builder borrower who is striving to build wealth and generate income for themselves and their families.  We offer hard money rehab loans and ground-up construction loans for investors only in NC, SC, GA, VA, TN, and some areas of FL. We also serve as consultants for investors, guiding them to network with other investors and educating them in locating and structuring transactions.


Residential Fix & Flips

We finance up to 90% of the purchase and 100% of the rehab costs up to 65% of the ARV, 3-3.5 points, rates starting at 10.99% with a 6-month term and interest-only payments.

No pre-payment penalties!


New Construction Single Family

We finance up to 85% Loan to Cost and maximum 65% ARV, 3-3.5 points, rates starting at 10.99% with a 12-month term and interest-only payments.

No pre-payment penalties!


Commercial Properties

We finance up to 75% LTV, 3-5 points, rates starting at 8.00% and terms up to 24 months and interest-only payments.

No pre-payment penalties!

Block of flats at the new subdivision

Long-Term Financing

For Multi-Family Units under 50 doors, we offer rates as low as 3.75% fixed for a 30-year term. We finance up to 75% LTV, $250K-$5M, DSCR 1.2X.

Closings in as little as 10 days once approved!

Why carolina Capital Management?

People and Principles

ahead of Profit.

All our hard money loan transactions are made ethically and morally. As a hard money lender, we understand the best way to serve our customers is to walk in their shoes. As real estate investors, we understand the goals and needs of our customers.  We are proud members of the American Association of Private Lenders. 



80 M

in hard money loans funded

60 +

combined years of experience

228 +

closed loans on single-family properties


Carolina Capital Management is Verivest Verified Gold. 

Verivest’s mission is to create and enable the conditions to increase the speed of trust in the private middle market real estate investment space. Our goal is to help enable investors to direct capital to those sponsors and managers who can objectively demonstrate they are trustworthy stewards of that capital and away from those who cannot.
Our team of independent and unbiased professionals are united in our core values of Trust, Transparency, Collaboration, Grit, and Get It, and are focused on creating the world’s leading community for mutual benefit and high trust between sponsors and investors.

  • CHM is one of the best lenders in Charlotte & the surrounding area. Their professionalism & expertise are second to none. They know how to get DEALS done. Plus their podcast, "The Alternative Investor," is a treasure trove of information you won't get elsewhere. The team assisted me on my project & insured a successful closing. I recommend CHM for your funding needs.

    C.A. Melton



  • Wendy Sweet has added more value to our business than any other mentor I have ever met! She truly has your best interest in mind, advises you where you are at and can save your business from heading in the wrong direction quickly.  Her meeting was priceless and helped us out in a very tough situation!  She advised us on multiple levels in a laser focused manner!  Thank you Wendy Sweet!

    Mark & Mary Bolous


  • I have been closing real estate loans for 40 plus years and I have to say, that Carolina Hard Money Lenders have been one of the best companies I have ever dealt with on a hard money loan. I work with wholesalers and investors every day and I have worked with many lenders. This group of professionals are exceptional!! I have enjoyed working with them and they have went above and beyond to get everything to me in a timely fashion! Hats off to this group! I look forward to working with them again in the future and I will be telling all my wholesalers and investors about Carolina Hard Money!

    Lassiter & Lassiter, PA

    Debra F. Hobbs


  • I want you to know so far everything from start to finish has been nothing less than perfect with you and your company.

    James Thomas


  • Thank you so much for taking an hour out of your day to meet with me yesterday. You really helped clear things up for me and I walked away feeling like I know exactly what I need to do. I hope you know how much these sessions help new investors like me.

    Thank you for the wholesaler/CPA connections as well. My mom will also be looking to sign up for a Wednesday this summer.

    I will be in touch soon!

    Peace and blessings,
    Ryan Ladson


  • "God has made everything fit beautifully in its appropriate time, but He has also placed ignorance in the human heart so that people cannot discover what God has ordained, from the beginning to the end of their lives."  Ecclesiastes 3:11 (NET)

    There is no other way to describe the linking of Faithful Homes and Carolina Hard Money!  I am so grateful for our interaction with the "others" as we would not be able to fully grasp how wonderful of a company you are leading! Please continue to always operate with integrity and transparency, honor your word, go against the grain and work unto Him.  You and your team, demonstrated impeccable service with patience, grace and understanding and I must say you represented our network of Faith-based businesses quite well!  : )  Kudos to you all!


    Faithful Homes LLC


  • I've met with Wendy twice now and have thoroughly enjoyed and benefited from both sessions. She is a wealth of knowledge and provided me with specific tips and direction in my wholesaling business, connected me with other investors and also opened my eyes to a whole new platform to build wealth.

    I look forward to my third, fourth and fifth meeting with her and would most certainly recommend anyone to go connect and meet with her. Whether you are a newbie or seasoned veteran, Wendy will provide value!

    Thank you,



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