Ground-up construction loans for builders and investors developing new properties in North Carolina. Finance up to 85% of your land purchase and 85% of construction costs on a single loan. Rates from 10%, non-Dutch interest, and land doesn't need to be permitted to qualify. Loans $100K to $7.5M.
SLA Capital — a Sir Lends A Lot LLC Company
A new construction loan is short-term financing for building a property from the ground up. It typically covers land acquisition, vertical construction, and an interest reserve on a single loan, with construction funds disbursed via draws as the build progresses through inspection milestones. Once construction is complete, the loan is paid off through a sale of the finished property or refinanced into long-term financing.
NC is a top-tier investor state. Charlotte and the Research Triangle are sustained-growth job markets attracting steady in-migration. Non-judicial foreclosure and landlord-friendly statutes keep timelines predictable. Rental demand is deep across every metro.
Charlotte is a top-five US banking hub. The Research Triangle (Raleigh-Durham-Chapel Hill) anchors an unusually dense concentration of tech, biotech, and higher-education employers. Both metros pull in steady, high-income renters.
North Carolina is a non-judicial foreclosure state with a predictable eviction process and landlord-friendly statutes. Holding costs stay projectable for cash-flow modeling.
NC has ranked among the top states for net domestic migration for years running. That inflow shows up as sustained rental demand in every metro from the mountains to the coast.
Whether you're closing a single-asset SFR in a smaller North Carolina market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Concord, Huntersville, Matthews, Mint Hill, Fort Mill (SC-adjacent)
Cary, Apex, Wake Forest, Garner, Holly Springs
Research Triangle core — Morrisville, Hillsborough
Piedmont Triad — plus High Point, Kernersville
Forsyth County + smaller Triad markets
Buncombe County — LTR + mountain STR corridor
Coastal SFR, plus Leland, Hampstead, Wrightsville
Statewide coverage — send us any North Carolina property
Same nationwide program, no state-specific surcharges.
Up-front pricing on every loan. The rate you're quoted is the rate you close at — no surprises at the closing table.
Up to 85% of the land purchase price plus 85% of construction costs. High leverage that keeps your capital deployable.
Pay interest only on the funds you've actually drawn, not on the undrawn balance. Keeps carrying costs down during early build phases.
Choose the term that fits your build schedule. Straightforward extensions available on active projects.
Land does not need to be permitted or warranted before loan approval. Get under contract and permit in parallel.
From single infill lots to multi-unit projects across North Carolina. Same clean underwriting from starter builds up to $7.5M.
Yes. SLA Capital funds New Construction loans throughout North Carolina — Charlotte Metro, Raleigh, Durham + Chapel Hill, Greensboro, Winston-Salem, and every other NC metro. Rates from 10%, up to 85% land + 85% construction.
SLA Capital finances up to 85% of the land purchase plus 85% of construction costs in North Carolina. Loans range from $100,000 to $7,500,000.
No. SLA Capital does not require the land to be permitted or warranted before loan approval. Get under contract and start underwriting in parallel with permitting.
Non-Dutch interest — borrowers pay interest only on funds that have been drawn, not on the undrawn balance. This keeps carrying costs down during early build phases when most of the loan hasn't been disbursed yet.
NC is a top-tier investor state. Charlotte and the Research Triangle are sustained-growth job markets attracting steady in-migration. Non-judicial foreclosure and landlord-friendly statutes keep timelines predictable. Rental demand is deep across every metro.
Send us the property. Our sizer returns a real term sheet in minutes.
Long-term rental financing for North Carolina investors. Rates from 5.75%, up to 80% LTV, 3-month seasoning on cash-outs.
Short-term purchase + rehab financing across every North Carolina metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.