Whether you're eyeing opportunities in Downtown Matthews' historic properties or positioning for growth near the upcoming Cadia Matthews development, B.E. Lending provides the fast, flexible capital you need to execute your investment strategy.
Since 2015, B.E. Lending has established itself as more than just another hard money lender in Matthews NC – we're your strategic capital partner. With over $602 million funded across 3,200+ successful transactions nationwide, we bring unparalleled experience to every deal.
Unlike many private money lenders serving the Charlotte metro area, we control every aspect of your lending experience in-house. From initial underwriting to final payoff, our team manages your capital, processes your application, and services your loan directly. This means faster decisions, clearer communication, and solutions tailored to your specific investment goals.
We understand the Matthews market dynamics – from the competitive seller's environment where homes receive multiple offers to the exciting growth opportunities in the Eastern Gateway area near Stallings and Idlewild Roads. Our relationship-first approach means we take time to understand your strategy, whether you're pursuing fix and flip financing in Downtown Matthews or acquiring land for future development.
Why Matthews investors choose B.E. Lending:
Real estate opportunities in Matthews don't wait for traditional bank approvals. That's why we've developed a comprehensive suite of private financing solutions designed specifically for active investors:
Bridge Loans – Perfect for acquiring properties in hot zones like Stallings or Indian Trail where speed matters. Our bridge financing helps you secure the deal now while arranging long-term financing or preparing for resale.
Fix-and-Flip Loans – With median sale prices per square foot up 7.8% year-over-year, Matthews offers strong ARV potential. We provide both acquisition and rehab capital, understanding that successful flips require flexible funding throughout the project lifecycle.
New Construction Financing – As Matthews embraces growth with developments like the 82-acre Cadia Matthews project, opportunities abound for builders and developers. Our new construction loans provide the capital to break ground and complete your vision.
BRRRR (Buy, Rehab, Rent, Refinance, Repeat) Strategy Loans – The Matthews market, with its $96,195 median household income (58% above the state average), creates ideal conditions for buy-rehab-rent-refinance strategies. We structure loans that support your entire BRRRR cycle.
Rental Property Loans – Whether acquiring buy-and-hold rentals near Novant Health Matthews Medical Center or building a portfolio in family-friendly Indian Trail, our rental property financing helps you capitalize on Matthews' strong tenant demand.
Land Acquisition Loans – Position yourself for future development opportunities in growth corridors with our land acquisition financing, ideal for investors anticipating the infrastructure improvements coming to the Eastern Gateway area.
At B.E. Lending, we've eliminated the complexity and uncertainty that plague traditional real estate financing. Our streamlined process reflects our commitment to transparency and reliability:
Step 1: Initial Consultation – Connect with our team at (480) 706-0260 to discuss your Matthews investment project. We'll review your strategy, timeline, and funding needs – often providing preliminary feedback within hours.
Step 2: Application & Documentation – Submit your straightforward application with basic property and project information. Unlike banks, we focus on the asset-based value of your deal, not excessive paperwork.
Step 3: Rapid Underwriting – Our in-house underwriting team, familiar with Matthews submarkets from Downtown to the Eastern Gateway, evaluates your project quickly. We understand that in a market where homes sell in 35-48 days, speed is essential.
Step 4: Clear Terms & Approval – Receive a transparent loan commitment with all terms clearly outlined. No hidden fees, no surprise conditions – just straightforward private money lending you can count on.
Step 5: Fast Funding – Once approved, we move quickly to closing. Our direct lending model means no third-party delays or last-minute complications.
Step 6: Ongoing Support – Throughout your project, from renovation to resale or refinance, our servicing team remains your direct point of contact, ensuring smooth loan management.
This proven process has helped investors close deals across Matthews, from competitive multiple-offer situations in established neighborhoods to strategic land acquisitions anticipating future growth.
Matthews presents diverse investment opportunities, and B.E. Lending has the flexibility to fund them all. Our asset-based lending approach means we evaluate each project on its merits, not just your credit score. Residential Fix-and-Flips – From historic homes in Downtown Matthews requiring careful renovation to dated properties in Stallings perfect for modern updates, we fund residential flips of all scopes. Our experience with 3,200+ transactions means we understand realistic timelines and budgets. Single-Family Rentals – The strong rental demand from Matthews' affluent workforce makes single-family rentals particularly attractive. We fund acquisition and renovation of properties targeting both traditional tenants and the growing remote-work demographic seeking suburban quality of life. Multi-Family Properties – As Matthews densifies, especially around the planned mixed-use developments, small multi-family properties offer compelling cash flow opportunities. Our financing supports duplex to small apartment acquisitions and renovations. Commercial Real Estate – With 85,000 square feet of retail planned for Cadia Matthews alone, commercial opportunities are expanding. We fund acquisition and repositioning of retail, office, and light industrial properties throughout the Matthews market. New Construction – Whether building spec homes in Indian Trail's family-oriented neighborhoods or developing lots near major employment centers, our construction financing provides the capital to bring projects from concept to completion. Land Development – Strategic land banking and development in Matthews' growth corridors requires patient capital and market understanding. We structure loans that align with your development timeline and exit strategy. Regardless of project type, we evaluate opportunities like seasoned investors – considering location, market dynamics, and execution risk to structure financing that sets you up for success.
Smart investors recognize that private money loans offer advantages beyond just speed in Matthews' dynamic market. Here's how strategic use of our financing can accelerate your investment success:
Compete in Multiple-Offer Situations – With Matthews remaining firmly in seller's market territory, cash or cash-equivalent offers win deals. Our fast funding allows you to make competitive offers that sellers take seriously, beating out contingent buyers waiting on traditional financing.
Scale Your Portfolio Rapidly – The Matthews-Stallings-Indian Trail corridor offers diverse investment opportunities. Rather than waiting months between deals for bank financing, our private lending lets you pursue multiple projects simultaneously, building your portfolio while market conditions favor growth.
Capitalize on Off-Market Opportunities – Connections through groups like Metrolina REIA often lead to off-market deals requiring quick action. Having a proven private money lender ready to fund means you never miss opportunities due to financing delays.
Navigate Market Transitions – As Matthews evolves with major developments like Cadia Matthews, property values and best use cases shift. Our flexible financing helps you reposition properties – converting single-family homes near future commercial zones or upgrading rentals to capture rising rents.
Minimize Holding Costs – In renovation projects, every day counts. Our combined acquisition and rehab funding, coupled with local market knowledge, helps you execute efficiently, minimizing carrying costs and maximizing returns.
Build Credibility – Being backed by a established direct private lender with our track record gives you credibility with sellers, contractors, and other investors. This reputation opens doors to better deals and partnerships throughout the Charlotte metro market.
The Matthews real estate market rewards investors who can move decisively. With B.E. Lending as your capital partner, you're equipped to seize opportunities others miss.
What makes B.E. Lending different from other hard money lenders in Matthews?
Unlike many competitors serving the Charlotte metro, we're a true direct lender managing all capital, underwriting, and servicing in-house. With $602M+ funded across 3,200+ transactions since 2015, we bring proven expertise to every deal. Our relationship-first approach means we understand your strategy and work as your partner, not just your lender.
How quickly can I get funding for my Matthews investment property?
Our streamlined process often provides preliminary feedback within hours of your initial call. Once we have complete documentation, we can typically close within 7-10 business days – critical in Matthews' competitive market where homes sell in 35-48 days.
Do you fund BRRRR (Buy, Rehab, Rent, Refinance, Repeat) strategy loans in areas like Stallings and Indian Trail?
Absolutely. The Matthews area's strong rental demographics make it ideal for BRRRR strategies. We structure our loans to support your entire cycle – from acquisition and renovation through the rental stabilization period, positioning you for successful refinancing.
What are your typical loan terms for fix-and-flip projects?
We offer flexible terms tailored to your project scope and timeline. Our loan terms are 6 month (with option for extension) and competitive rates. We fund both purchase and renovation costs, understanding that successful flips require adequate capital throughout the project.
Can you finance new construction near the Cadia Matthews development?
Yes, we're actively funding new construction throughout Matthews, including properties positioned to benefit from major developments like Cadia Matthews. Our construction loans provide draws throughout your build, ensuring smooth project execution.
Do I need perfect credit to qualify for your private money loans?
No. As asset-based lenders, we focus primarily on the property's value and your project's viability. While we review your experience and financial capacity, we understand that many successful investors have credit situations that don't fit traditional bank requirements.
Ready to discuss your next Matthews investment project? Call our team at (480) 706-0260 for a consultation. With B.E. Lending as your private money lending partner, you'll have the capital, expertise, and support to succeed in Matthews' dynamic real estate market.
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