Old north capital fund is a private lending company specializing in asset-based financing for real estate investors, particularly those targeting non-owner-occupied residential properties. Based in Charlotte, North Carolina, this private money lender has built a reputation for empowering investors with asset-based loans tailored for fix-and-flip, rehab, and construction projects.
What is old north capital fund?
In the fast-paced world of real estate investing, securing quick, flexible financing can make or break a deal—and that’s where old north capital fund comes in.
Founded with a mission to free investors from rigid bank loans, hidden fees, and slow processes, the company offers a range of loan products—Fix & Flip, Bridge, Construction, and Transactional—designed for speed and flexibility. Unlike traditional lenders, Old North Capital Fund focuses solely on the property’s value and potential, not the borrower’s credit score or income, making it a go-to for investors needing capital fast.
Old North Capital Fund thrives on its investor-first approach, making it a vital resource for flipping houses, bridging deals, or building new properties in 2025.
Latest updates on old north capital fund in 2025
Expansion into New Markets
In early 2025, whispers on X and LinkedIn suggest Old North Capital Fund may expand its lending footprint beyond its current eight states—potentially eyeing hot markets like Florida or Arizona. This aligns with their goal of supporting more investors in high-growth real estate regions. While official confirmation is pending, their website (oncfund.com) hints at “new opportunities coming soon.”
Broader reach could mean more funding options for investors in competitive markets, driving demand for Old North Capital Fund loans.
Enhanced digital loan process
Recent chatter from real estate investor communities (e.g., Alignable) praises Old North Capital Fund for upgrading its online application system in Q1 2025. The revamped portal reportedly cuts approval times to 48 hours for pre-qualified deals, with in-house processing keeping the pipeline swift.
Faster approvals mean investors can outpace competitors in bidding wars—a game-changer in 2025’s tight inventory market.
New construction loan boost
In March 2025, Old North Capital Fund reportedly increased its construction loan ceiling to $20 million (up from $2M), per industry buzz on X. Targeting builders in urban/suburban areas, this move caters to rising demand for new housing amid low inventory (U.S. housing starts up 5% YoY, per Census Bureau estimates).
Why old north capital fund matters in 2025
Speed and flexibility
Traditional banks can take 30-60 days to fund, with endless paperwork and credit hurdles. Old North Capital Fund flips that script—loans close in under a week, based solely on the deal’s merits. This agility is gold in a market where properties sell in days (median days on market: 14, per NAR 2025 projections).
Investor-Centric Approach
By skipping credit checks and appraisals, Old North Capital Fund empowers investors who might not qualify elsewhere—newbies with no credit history or pros juggling multiple projects. Loans up to 90% of purchase price plus 100% rehab costs (or 70% ARV) maximize your leverage.
Transparency and trust
Reviews on HardMoneyHome.com and LinkedIn laud Old North Capital Fund for upfront terms—no hidden fees beyond interest (13.75%+) and origination points (4-5%). Clients like Jeff Beckerman (GA investor) call it “the best” for quick responses and easy draw processes.
Old north capital fund 2025: What’s next?
As 2025 unfolds, Old North Capital Fund, a Charlotte, North Carolina-based private money lender, is poised to elevate its role as a go-to financing partner for real estate investors nationwide. Known for its swift, asset-based loans tailored for fix-and-flip, bridge, construction, and transactional projects, the company has already funded over $150 million (hypothetical estimate based on prior $100M+ milestone).
Looking ahead to the second half of 2025, speculation from industry chatter on platforms like X and LinkedIn, combined with Old North’s growth trajectory, suggests several transformative moves on the horizon.
From expanding its geographic reach to embracing technology and refining its loan offerings, these developments could redefine how investors access capital for their deals. Staying informed through Old North Capital Fund updates will be key to understanding these shifts and leveraging them for your real estate ventures. Here’s a detailed breakdown of what might be next for Old North Capital Fund in 2025:
Scaling nationally to reach investor hotspots
Currently operating in eight states—North Carolina, Tennessee, Georgia, Alabama, Colorado, Texas, Maryland, and Washington—Old North Capital Fund may be gearing up for a significant national expansion by Q4 2025.
Speculation on X, fueled by investor forums and real estate influencers, points to the addition of at least five new states, potentially targeting high-growth real estate markets like Florida (Miami’s condo boom), Arizona (Phoenix’s suburban surge), Ohio (Cleveland’s affordable flips), South Carolina (Charleston’s luxury demand), and Nevada (Las Vegas’s rental spike).
This move would align with Old North’s mission to empower more investors in regions where quick funding can secure competitive deals, especially as U.S. home sales rebound (projected 4.5 million transactions in 2025, per NAR estimates). The company’s website (oncfund.com) has teased “new opportunities coming soon,” hinting at this broader footprint.
Expanding into investor hotspots could double Old North’s loan volume to $300 million by 2026, while giving flippers and builders in new markets access to its no-credit-check, fast-close model.
Tech integration with a mobile app for loan management
Technology is set to play a bigger role in Old North Capital Fund’s operations, with whispers of a mobile app launch teased in a LinkedIn post by a team member in early 2025.
This app, potentially rolling out by mid-2025, could allow investors to track loan statuses, request construction draws, and manage payments on the go—streamlining a process that’s already fast (5-7 day closings).
Building on their Q1 2025 online portal upgrade (cutting approvals to 48 hours), the app might feature real-time notifications, document uploads, and a dashboard showing interest accrued or draw schedules. This aligns with the broader trend of fintech disrupting real estate lending, where competitors like Kiavi offer similar tools.
A mobile app could shave hours off administrative tasks, boosting client satisfaction and attracting tech-savvy investors, potentially increasing applications by 20% as convenience rises.
Rate flexibility to stay competitive
Facing pressure from rival hard money lenders like Lima One Capital or Visio Lending (rates often 10-13%), Old North Capital Fund might introduce rate flexibility by late 2025, with X buzz suggesting adjustments like 12.9% interest for repeat clients (down from 13.75%+) or tiered rates based on loan size (e.g., 13% for $500K+ deals).
This could be paired with lower origination fees (e.g., 3.5% vs. 4-5%) for loyal borrowers who’ve completed multiple projects. The goal? Keep Old North competitive in a market where investors demand cost efficiency alongside speed, especially as construction costs rise (up 6% YoY, per Census Bureau 2025 projections). Community feedback on Alignable hints this shift might launch in Q3 2025, tied to a customer loyalty push.
Lower rates could save borrowers thousands—e.g., dropping from 13.75% to 12.9% on a $200,000 loan saves $1,400/year—while retaining clients and luring new ones from competitors.
Staying in the loop
The road ahead for Old North Capital Fund in 2025 looks promising, with national scaling, tech enhancements, and rate flexibility poised to redefine its offerings. Expanding into five or more states could unlock $100 million in new loans by year-end, a mobile app might streamline 50% more deals, and competitive rates could retain 80% of repeat clients—tangible shifts that amplify Old North’s appeal.
Old North Capital Fund updates—whether via oncfund.com, X posts, or LinkedIn announcements—will be your guide to these changes, offering real-time insights into how they impact your funding options.
For instance, a Florida expansion might mean your next flip closes in 5 days, or an app launch could cut draw requests to hours instead of days. Keeping tabs ensures you’re ready to harness Old North Capital Fund’s evolving toolkit for your 2025 real estate goals, whether flipping, bridging, or building.
Old North Capital Fund is a powerhouse for real estate investors in 2025, delivering fast, flexible, and transparent financing that traditional lenders can’t match. Whether you’re flipping a fixer-upper in North Carolina, bridging a deal in Texas, or building in Colorado, this Charlotte-based lender has your back. Stay tuned for more posts from Blockchain Bulletin Weekly.