Hard money lenders in West Virginia

Jul 8 – Oct 27, 2026Updated Oct 27, 2026Reviewed by

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Which brands AI mentions

#BrandMentioned in
#1tiedEasy Street Capital57%
#1tiedLima One Capital46%
#3tiedRidge Street Capital37%
#3tiedJump Capital24%
#5tiedKiavi17%

Mentioned in

ChatGPTChatGPTGoogle AI ModeGoogle AI Mode

Widest split: Easy Street Capital, 25% on ChatGPT and 91% on Google AI Mode.

Questions and answers

  • Google AI ModeOct 17, 2026

    1. 1Easy Street Capital

    When you need fast funding for a renovation project in Charleston, West Virginia, traditional banks are usually too slow. Instead, real estate investors in the Mountain State typically look to private/hard money lenders that specialize in speed, minimal red tape, and asset-based underwriting.

    Top options servicing Charleston and the wider West Virginia market include:

    • Easy Street Capital
      • Best for: Fast Fix & Flip and Bridge Loans.
      • Highlights: They offer statewide coverage in West Virginia (including Charleston and Morgantown). Their "EasyFix" program features high leverage (up to 93% LTC / 75% LTV), fast 48-hour turnarounds, and light documentation that bypasses traditional tax returns and income verification.
    • Private Lending LLC
      • Best for: Regional, relationship-based private funding.
      • Highlights: Highly rated for the Virginia and West Virginia region, they specialize in short-term real estate financing with approvals often happening in under 24 hours and quick draw/funding timelines to keep renovation projects moving.
    • Local Portfolio/Asset Lenders & Brokers
      • Best for: Customized local terms.
      • Highlights: Platforms like Hard Money Home Charleston WV Lenders Guide track regional private notes averaging around 10.9% interest rates with typical LTVs near 73%–85% depending on the scope of the rehab.

    To help narrow down the best specific fit, tell me:

    • What is the estimated purchase + rehab cost (Loan amount needed)?
    • Do you already own the property (refinance/rehab ) or are you purchasing it now?

    Sources cited in this answer2

    ChatGPTOct 17, 2026

    1. 1Anchor Loans
    2. 2Crebrid
    3. 3Capital Kings

    For a Charleston, West Virginia renovation that needs funding quickly, I'd prioritize a hard money lender that specializes in fix-and-flip or renovation loans, can lend on the property's after-repair value (ARV), and can close quickly—not just a lender offering conventional investment-property financing.

    The best choice depends on whether you're renovating a single-family home, a multifamily property, or a commercial building, and whether you already own the property.

    My top 3 lenders to contact

    • Anchor Loans | Tailored Lending for Builders and Investors

    1. Anchor Loans

    (Best overall starting point)

    A direct private lender with fix-and-flip, renovation, bridge, and rental financing. It specifically lists Charleston among its West Virginia markets and advertises closings in as little as five business days.

    Best for: established investors wanting a direct lending relationship.

    View West Virginia loan programs

    • Crebrid - Crunchbase Company Profile & Funding

    2. Crebrid

    (Best for an urgent closing)

    Advertises same-day approvals and closings in as little as 3–5 business days for qualifying West Virginia deals. It offers short-term, asset-based financing for renovation and investment properties.

    Best for: tight seller deadlines and time-sensitive acquisitions.

    Explore Crebrid's West Virginia loans

    • Capital Kings LLC | Non-QM Hard Money & DSCR Lending for Investors

    3. Capital Kings LLC

    A broker that shops a deal across a network of lenders rather than lending its own money. It advertises financing with renovation costs funded through draws and typical Charleston-area closings of 5–14 days. Broker fees may add materially to the cost.

    Best for: comparing multiple financing offers through one contact.

    Request a Charleston deal quote

    What I'd do

    I'd contact Anchor Loans and Crebrid first, in parallel, and ask both for a written term sheet. Their advertised closing times are not guarantees; property title, appraisal, documentation, and underwriting can affect funding speed.

    Compare these five things before signing:

    • Total cash needed at closing.
    • Interest rate and origination points.
    • Whether 100% of renovation costs are funded, and the draw-release rules.
    • Maximum loan based on purchase price, total project cost, or ARV.
    • Written confirmation of the earliest realistic funding date.

    Let me narrow this down to the best lender for your deal

    Two quick details will help me identify the strongest fit.

    1. What type of renovation is it?

    Buy, renovate, and resell

    Renovate and hold as a rental

    Already own the property; need rehab capital

    Commercial or multifamily renovation

    2. How much funding do you need?

    Under $150,000

    $150,000–$300,000

    $300,000–$500,000

    Over $500,000

    3. How soon do you need the money?

    Within 48 hours

    Within 7 days

    Within 2–3 weeks

    4. Have you completed investment renovations before?

    No, this is my first project

    Yes, a few projects

    Yes, several completed projects

    [Find my best lender]

    Sources cited in this answer6

  • ChatGPTOct 27, 2026

    1. 1Upright
    2. 2Easy Street Capital
    3. 3Anchor Loans
    4. 4Jump Capital
    5. 5ABL Funding

    Hard money lenders for renovation projects in West Virginia

    I found several lenders that advertise real estate investment and renovation financing in West Virginia, including statewide lenders and a local lender focused on the Eastern Panhandle. For a renovation project, I'd start by comparing fix-and-flip or purchase-and-rehab loans that can finance both the property acquisition and renovation costs.

    Lenders worth contacting first

    • Asset Based Lending Funds 10,000th Real Estate Investment Project as Company Surpasses $1 Billion in Loans Under Management

    1. Asset Based Lending (ABL)

    (Statewide lending)

    Advertises 12-month fix-and-flip bridge loans, new construction financing, and rental-property loans. Its West Virginia program explicitly includes Kanawha, Berkeley, and Monongalia counties.

    • Best for: Investors renovating and reselling properties, or transitioning to rentals.
    • Published rates: Starting at 8.99% for flipping and 9.25% for building; confirm current terms and fees.
    • Website:
    • Upright Lending | Home

    2. Upright Lending

    (Statewide lending)

    Offers short-term rehab, fix-and-flip, bridge, new construction, and rental financing throughout West Virginia.

    • Published loan size: $125,000–$3.5 million for residential projects with 1–20 units.
    • Rehab financing: Advertises up to 100% of the renovation budget, subject to underwriting.
    • Best for: Investors needing renovation funds as work progresses.
    • Website:
    • Easy Street Capital - Find Wholesale Lenders

    3. Easy Street Capital

    Advertises statewide West Virginia fix-and-flip, bridge, and new construction financing, including projects in Charleston and Huntington.

    • Published leverage: Up to 93% loan-to-cost for its fix-and-flip program and up to 75% loan-to-value, subject to eligibility.
    • Best for: Comparing financing that covers both acquisition and rehabilitation.
    • Website:
    • Anchor Loans (@AnchorLoans) on X

    4. Anchor Loans

    Advertises West Virginia financing for fix-and-flip projects, construction, bridge loans, and rental portfolios. It reports loan-to-cost financing up to 85% and closings in as little as five business days.

    • Best for: Investors who need fast funding or have multiple projects.
    • Website:
    • Jump Capital Loan

    5. Jump Capital

    (Regional lender)

    A Martinsburg-based private lender focused on the Eastern Panhandle, particularly Berkeley and Jefferson counties. It offers purchase-and-rehab, fix-and-flip, and rental-rehab financing.

    • Important restrictions: Investment properties only, LLC borrowers required, and relevant experience preferred or required under its published criteria.
    • Phone: (304) 451-9818
    • Website:

    How I'd compare these lenders

    What to compareWhy it matters
    Interest rate and origination pointsDetermines your total borrowing cost
    Rehab draw scheduleEstablishes when renovation money is released
    Loan-to-cost (LTC)Shows how much of the purchase plus renovation budget may be financed
    After-repair value (ARV) limitCaps financing based on the property's estimated value after renovation
    Minimum loan amountCan rule out lenders for smaller projects
    Experience and occupancy rulesSome lenders require an LLC and prohibit owner-occupied properties

    One important distinction: These programs are generally intended for investment properties, not renovations to your primary residence. If you're renovating a home you'll live in, your financing options will be different.

    Let me narrow this down for your project

    The best lender depends heavily on the property's location, your total budget, and whether you're flipping or holding it as a rental.

    Where in West Virginia is the property?

    [Input placeholder: City or county e\.g\., Kanawha County] (Current value unavailable.)

    Approximate total project budget

    Under $100,000

    $100,000–$250,000

    $250,000–$500,000

    Over $500,000

    What's your plan?

    Buy, renovate, then sell (fix-and-flip)

    Buy, renovate, then rent

    Already own the property and need renovation funds

    Will you live in the property?

    No — investment property

    Yes — my primary residence

    Real estate investing experience

    First project

    Some prior experience

    Experienced investor

    [Find my best-fit lenders]

    I can use those details to narrow the list to lenders most likely to finance your project and compare their published terms.

    Sources cited in this answer11

    Google AI ModeOct 27, 2026

    1. 1Easy Street Capital
    2. 2Ridge Street Capital
    3. 3Lendmire

    Here are several reputable hard money and private lenders that operate in West Virginia, specializing in fix-and-flip and renovation projects:

    • Easy Street Capital - Offers statewide coverage in West Virginia (including Charleston, Huntington, and Morgantown) with their "EasyFix" program for fix-and-flips (up to 9 3%% Loan-to-Cost) and bridge loans, featuring fast turnarounds and light documentation requirements.
    • Ridge Street Capital - Provides fix-and-flip and hard money renovation loans across West Virginia. They accommodate both beginners and experienced investors, offering up to 9 0%% Loan-to-Cost (LTC) and 1 0 0%% of rehab expenses with closings as fast as 7–14 days.
    • Lendmire - Finances various residential and commercial investor projects across the state, underwriting based on the after-repair value (ARV) and scope of metro rehabs or workforce-housing flips.

    To help me narrow down or tailor these options, could you tell me:

    • What is the estimated purchase price and renovation budget?
    • Are you looking for 100% financing on rehab costs , or do you have a specific down payment in mind?
    • What is your experience level with real estate flips?

    Sources cited in this answer4

Also asked as

  • I have a renovation project in Charleston and need fast capital. Can you recommend a top hard money lender in West Virginia?