short-term financing to fund your goals

Our asset-based loans are designed around the realities of investing — quick approvals, flexible terms, and funding that keeps your projects on track.

Quick closing

Reliable support

Competitive rates

fix & flip

Our Fix & Flip funding is our most popular loan and is ideal for investors who need to quickly acquire a property with the intention of renovating or fixing the property to be sold at a higher price. Our pricing is flexible based on prior experience.

12.9% monthly interest payments (calculated only on amounts actually received)
0% interest on construction money
2-3 point origination fee
Lender's title policy required

Hazard/builder's risk insurance required
6-month term (with extension provisions)
Up to 75% LTV
Flexible draw schedule

bridge

Often, investors need interim financing, or a “Bridge Loan,” to give them time to achieve their next step while personal capital isn’t available yet. The terms of this loan are very similar to our Fix & Flip Loan, however, no funds will be allocated towards construction and instead, a lump sum amount will be paid.

We offer this loan for six months, but there is no pre-payment penalty if it is paid back sooner. This provides our investors with ultimate flexibility on a Bridge.

12.9% monthly interest payments (calculated only on amounts actually received)
0% interest on construction money
2-3 point origination fee

Lender's title policy required
Hazard/builder's risk insurance required
6-month term (with extension provisions)
Up to 75% LTV

construction

We provide hard money construction loans for investors building residential or commercial properties. The Construction Loan Program is great for investors who purchase a lot or tear down an existing home to build new construction.

12.9% monthly interest payments (calculated only on amounts actually received)
0% interest on construction money
2-3 point origination fee
Lender's title policy required

Hazard/builder's risk insurance required
6-month term (with extension provisions)
Up to 75% LTV
Flexible Draw Schedule

Transactional

Transactional Funding is for wholesalers looking for a capital resource to facilitate a double closing. This allows the wholesaler to make a profit on the property without actually having to purchase it.

Typically, our investors put a property under contract. While under contract, they find a new buyer to purchase for more than the seller is asking. We supply the funds to purchase this property, then simultaneously sell to the buyer you’ve lined up.

2-3 point origination fee
Same day closing

Acquisition

Our Credit-Based Acquisition Loan is ideal for investors seeking competitive rates to purchase residential investment properties. With terms based on credit strength, this loan offers flexible financing for experienced borrowers looking to secure their next project.

Terms

Competitive rates starting at 10%
Origination Fee: 1–3%
Property types: Residential 1–4 units, townhomes, warrantable condos
Loan term: 12 months (up to 18 at lender’s discretion)
Max LTV: 70%
Max LTC: 85%
Credit Requirement: 680 midscore

Underwriting Requirements

Appraisal report
Credit & background check (hard pull)
Guarantor personal financial statement (PFS)
Bank statements / proof of liquidity
Borrower resume & project history
Business entity docs (e.g., Operating Agreement, Articles of Organization)
Purchase contract
Itemized budget, building plans & permits

Refinance

Our Credit-Based Refinance Loan is designed for investors who want to unlock equity or improve the terms of an existing loan. Perfect for lowering costs, increasing cash flow, or funding future opportunities, this program rewards strong credit profiles with favorable rates and terms.

Terms

Competitive rates starting at 10%
Origination Fee: 1–3%
Property types: Residential 1–4 units, townhomes, warrantable condos
Loan term: 12 months (up to 18 at lender’s discretion)
Max LTV: 70%
Max LTC: 85%
Credit Requirement: 680 midscore

Underwriting Requirements

Appraisal report
Credit & background check (hard pull)
Guarantor personal financial statement (PFS)
Bank statements / proof of liquidity
Borrower resume & project history
Business entity docs (e.g., Operating Agreement, Articles of Organization)
Purchase contract
Itemized budget, building plans & permits

what our investors have to say

Since I have switched to working with Old North Capital Fund, my business exploded exponentially because of the fast closing, easy rehab funding, and no hidden fees. I was able to close more deals in 2022. Thank you very much!

B.R., High Point, NC

“Super easy to work with! No hoops unlike most of these lenders out here!”

John Sanders, Real Estate Investor, NC

“5 WELL DESERVED STARS for Old North Capitol. It is always a pleasure to deal with your Firm. Keep up the good work!”

Frank, Real Estate Investor, NC

request a loan today

Submit your information to start funding your investment project today!

short-term financing to fund your goals

Quick closing

Reliable support

Competitive rates

fix & flip

bridge

construction

Transactional

Acquisition

Terms

Underwriting Requirements

Refinance

Terms

Underwriting Requirements

what our investors have to say

request a loan today

Start your real estate project today