New Charlotte Platform Offers Individual Lenders Direct First-Lien Positions On Greater Charlotte Region Properties
CHARLOTTE, N.C. — Amid a national retreat from pooled private-credit vehicles, Charlotte Private Equity™ launched today with a model built specifically for individual lenders who want to hold the paper themselves.
The company's Private Lending Capital Stack™ structures each real estate loan as a single recorded first-lien note shared pro-rata among three to five lenders. Every note is closed by a North Carolina licensed attorney, funded through the attorney's trust account, and recorded at the county Register of Deeds for the subject property.
Key terms across the platform:
- First-lien only
- Maximum 80 percent loan-to-value at origination
- 15 percent simple interest, interest-only monthly payments
- Terms up to 36 months
- 1.5 percent prepay penalty in the first twelve months only
- Minimum lender slice: $25,000
The company's inaugural note is a stabilized Charlotte single-family residence. Specific terms — principal, LTV, equity cushion, and slice allocation — are disclosed privately to self-identified inbound inquiries through the qualified-lender intake process.
“Most platforms tell retail lenders to trust the algorithm. We tell them to trust the attorney, read the title report, and see the property address. That's what private lending was before someone decided to securitize it.” — The Founder, Charlotte Private Equity™
Self-directed IRA custodians are accepted. All marketing materials carry a standard disclaimer that the transaction is a private real estate loan — not a solicitation of a security.
Charlotte Private Equity™ operates companion site ReliableCashflow.com as its lender intake funnel and maintains a bilingual English and Spanish newsroom at CharlottePrivateEquity.com/news.
Inquiries from qualified individual lenders can be submitted at CharlottePrivateEquity.com/inquiries. Press inquiries may be submitted via the same form with subject line “Press.”
About Charlotte Private Equity™. Charlotte Private Equity™ originates first-lien & second-lien attorney-closed real estate notes across the greater Charlotte region, including Mecklenburg, Union, Gaston, Cabarrus, Iredell, and Lincoln counties in North Carolina and York and Lancaster counties in South Carolina. Individual lenders supply the capital in modest, disclosed slice sizes. Every transaction is closed by a licensed closing attorney in the jurisdiction where the property sits (North Carolina or South Carolina, as applicable) and recorded at the county Register of Deeds for the subject property. Not a solicitation of a security.
Media Contact. Press inquiries: CharlottePrivateEquity.com/inquiries (no email address is published publicly; submissions are routed to our press desk within the hour).
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