Fund your next fix & flip, bridge, new build, or rental deal fast. A flat 12% rate, zero points and zero fees, up to 85% loan-to-cost — and closings in days, not weeks. No bank red tape. No credit check.
Tell us about your deal. We'll get right back to you — usually same day.
Banks weren't built for investors on a deadline. We were. Here's what working with a direct hard money lender actually gets you.
We're the decision-maker. No loan committee, no underwriting maze. When your title is clear, we fund — so you never lose a deal to a slow lender.
No origination points. No processing, application, doc, or payoff fees. No prepayment penalty. A flat 12% rate on only the money you use — what we quote is exactly what you pay.
Keep more of your own capital in your pocket. We finance both the purchase and the rehab on qualifying deals so you can scale faster.
Our lending is asset-based. We underwrite the property and the project — not your FICO score — so strong deals get funded.
You'll talk to actual decision-makers who fund deals for a living. Straight answers, no run-around, repeat-borrower relationships.
From downtown Charleston to Mount Pleasant, North Charleston, Summerville and beyond — we fund non-owner-occupied investment property across the region.
Submit the property and your numbers. Takes about 2 minutes.
We review and send you terms — usually the same day.
We coordinate title and keep the paperwork painless.
Close in days and get to work on your project.
Non-owner-occupied investment property only — purchase or refinance.
Buy, renovate, and resell. Purchase + rehab financing in one fast loan.
Short-term capital to move quickly and bridge to your exit or permanent financing.
Ground-up builds for investors and developers in the Charleston market.
Acquire rental property or pull equity out of a deal you already own.
Charleston's real estate market moves fast — inventory is tight, good deals don't wait, and a slow bank pre-approval can cost you the property. Kayak Capital is a direct private money lender funding fix & flips, bridge loans, new construction, and rental deals on investment property throughout the Lowcountry.
Get a free, no-obligation pre-qualification and know exactly what you can close on before you make your next offer.
Get Pre-Qualified Free → 📞 Call (843) 608-0388A hard money loan is a short-term, asset-based real estate loan funded by a private lender rather than a bank. Approval is based primarily on the property and the deal — not your credit score — so investors can close in days instead of weeks.
Most loans close in a matter of days once the property and title are in order. Because we're a direct lender, there's no loan committee or bank red tape slowing things down.
A flat 12% rate with zero points and zero fees. No origination points, no processing, application, doc, or payoff fees, and no prepayment penalty. You only pay interest for the time you borrow.
Up to 85% of total project cost (loan-to-cost), covering both purchase and renovation on qualifying deals.
Non-owner-occupied investment property only: fix & flips, bridge loans, new construction, and rental acquisitions or cash-out refinances. We do not make consumer or owner-occupied home loans.
No credit check. Our lending is asset-based — we underwrite the property and the project, not your FICO score.
Get a free pre-qualification today and move on your next property with confidence. No obligation, no fees, no games.
Or call us directly: (843) 608-0388