Hard Money Lender in South Carolina
Sab Tera Lending is the preferred direct private lender for real estate investors across South Carolina. Same-day commitment on Fix & Flip, DSCR Rental, Multifamily 5+, and Commercial Real Estate loans. Close in as few as 7 days — no income verification required.
Charleston. Greenville. Myrtle Beach. We Fund SC Deals.
South Carolina offers investors the best of two worlds: premium coastal markets in Charleston and Hilton Head with high ARVs and strong short-term rental demand, and growing industrial markets in Greenville and Spartanburg driven by BMW, Michelin, and major manufacturing. SC saw 7.4% home price appreciation statewide in 2025 — one of the top rates in the Southeast.
Counties & Regions We Serve
- Greenville County
- Richland County (Columbia)
- Charleston County
- Horry County (Myrtle Beach)
- Spartanburg County
- Lexington County
- Beaufort County
- Berkeley County
- Dorchester County
- York County (Rock Hill)
Major Markets
Hard Money Loans Available in South Carolina
Four core programs — all with same-day commitment and the fastest closings in the market.
Buy, renovate, and sell for profit. Up to 90% purchase + 100% rehab. Close in 7 days.
Long-term buy and hold. Qualify on property income. 30-year terms. Vacant properties OK.
Apartment buildings and value-add acquisitions. No minimum occupancy. Close in 14–21 days.
Mixed-use, retail, office, industrial, self-storage. Asset-based. Close in 14–21 days.
Why South Carolina Investors Choose Sab Tera First
"Charleston ARVs are incredible right now. Sab Tera funded at 90% LTV — I put down 10% on a $280K purchase, they funded the $65K renovation, and I sold for $495K. $147K gross profit funded in 9 days from first call. Hard to argue with those numbers."
"Four short-term rental properties in Myrtle Beach, all funded with Sab Tera DSCR loans using projected Airbnb income. No personal income docs. 30-year fixed terms with cash flow that works. Adding two more this year. My permanent STR lender."
"Greenville's rental market is exploding with BMW and Michelin workers. Four DSCR loans with Sab Tera — zero income docs, fast closings, every property rented within 2 weeks of purchase. The best investment decision I've made in my 8-year career."
Hard Money Loan FAQs — South Carolina
Get a South Carolina Hard Money Loan Today
Same-day commitment · Close in 7 days · STR DSCR available · Serving all SC counties