Charlotte Private Equity™
The Private Lending Capital Stack For Charlotte-Area Real Estate.
We originate first-lien & second-lien attorney-closed real estate notes across the greater Charlotte region — Mecklenburg, Union, Gaston, Cabarrus, Iredell, and Lincoln counties in North Carolina, plus York and Lancaster counties just across the South Carolina state line. No funds or platforms — just individual lenders securely deploying their capital in modest, transparently-disclosed slice sizes, at 15% simple interest (interest-only), for terms up to 36 months. Every note is recorded. Every dollar is escrowed. Every file is plain English.
One Note. One Property. A Stack Of Lenders.
We don't run a fund. We don't pool. We don't syndicate securities. For each acquisition, we assemble the capital stack on a single promissory note — a small group of individual lenders (typically 3–5) each named directly on the note, each recorded pro-rata on the first-lien deed of trust against one specific property in the Charlotte region. No intermediary entity sits between you and the note. Everyone is in first position. Everyone receives the same 15% simple rate. Everyone is closed by a licensed closing attorney in the state where the property sits.
Current Lending Opportunities Are Disclosed Privately.
Specific note terms — principal, LTV, equity cushion, property details, and slice allocation — are shared only with self-identified inbound inquiries who complete our qualified-lender intake. This is a private lending program, not a public offering.
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| Structure | First-Lien Note |
| Position | 1st |
| Rate | 15% simple |
| Interest | Monthly |
| Term | ≤ 36 months |
| Closing | Attorney Escrow |
| Note-Specific Terms | Private to qualified lenders |
Charlotte Is A Real City, Not A Thesis.
Population growth. Banking headquarters. A 25-year track record of steady single-family demand. You don't need a special narrative to lend here. You just need a real property, a real borrower, and a real attorney. We provide all three.
Latest From The Press Desk
Charlotte Platform Offers Individual Lenders Direct First-Lien Positions
A new Charlotte-based operation launches with a direct-to-lender model for first-lien notes on Mecklenburg County properties.
Launch Release Deal Update · Coming SoonCharlotte First-Lien Note Opens For Qualified Lenders
The inaugural Private Lending Capital Stack™ opens lender slots for a stabilized Charlotte single-family note. Specific terms disclosed through qualified-lender intake.
Draft All ReleasesVisit The Full Newsroom
Announcements, deal updates, market notes — bilingual, press-ready, and archived.
OngoingWhen You Lend Here, You're Depending On A System — Not A Memory.
Every process, every vendor, every KPI is documented and auditable. The attorney, the title company, the wire instructions, the payment schedule, the foreclosure protocol — all written down. All reviewable. All boring on purpose.
Recorded, Not Promised
Every deed of trust is recorded at the county Register of Deeds for the subject property. Public record. Permanent.
Escrowed, Not Trusted
Lender funds flow through a North Carolina licensed closing attorney's trust account. We never touch the money.
Built To Audit
Every file is packaged for a future buyer of this operation. Clean entity financials. SOPs documented. Transferable.
See The Current File.
Three to five lenders. One note. When it's fully committed, the list closes and we notify you of the next one.