Hard Money Lenders in Texas

In Texas, private money loans are a popular choice for real estate investors who need quick access to capital. These hard money loans are typically based on property equity and provide fast funding for purchases, refinances, or cash-out loans. Texas direct lenders offer flexible terms ranging from 3 to 24 months, making it an ideal solution for short-term real estate financing.

Capella Mortgage Corp

Capella Mortgage offers flexible LTV options tailored to each deal. For flip properties, they may finance 100% of purchase price based on ARV, comps, experience, and property size. Construction loans typically provide 80% of build costs or 60% of final value, requiring paid-for land. Terms vary by location, property type, and builder reputation.

Loan Size:
$35,000 to $40,000,000
Loan Terms:
3 months to 117 months

Rates:
7% to 24%
Fees:
1.75% to 6%

Capital Funding Financial

Capital Funding Financial is a direct nationwide private lender offering fast, simplified loans. Close in 3+ days with minimal documentation - no tax returns, credit score requirements, or appraisals for most deals. LOIs in 24hrs. Streamlined process without any red tape or drama.

Loan Size:
$250,000 to $250,000,000
Loan Terms:
6 months to 24 months

Rates:
9.50% - 12.50%
Fees:
1.75% - 2.50%

ALTO Capital

Alto Capital (formerly Equity Lending Solutions) is a direct private/hard money lender for Florida investment properties, including single-family, condo, condo-hotel, and multifamily. We offer 24-hour term sheets, 10-day closings, no prepayment penalties, and remote closing options. Foreign nationals welcome.

Loan Size:
$50,000 - $5,000,000
Loan Terms:
12 months to 24 months

Rates:
9% to 12%
Fees:
1% - 2.5%

ZINC Financial

Since 2006, ZINC Financial has funded billions in private money loans through its own fund. As a true direct lender, we offer fix-and-flip, rehab-and-rent, bridge, and construction loans with up to 92.50% LTC. We handle all decisions in-house, welcome investors with 660+ FICO, and require no prepayment penalty on rehab and bridge loans.

Loan Size:
$100,000 to $2,500,000
Loan Terms:
1 months to 360 months

Rates:
8.99% to 11.99%
Fees:
0.50% to 2.0%

Soviero Capital LLC

Soviero Capital is a family-run direct hard money lender providing asset-based real estate loans. We offer same-day commitments with up to 65% LTV, no credit checks, and terms up to 3 years. We consider improved properties for purchase, refinance, and cash-out loans, with flexible guidelines when risk profiles are satisfactory.

Loan Size:
$250,000 to $2,500,000
Loan Terms:
12 months to 36 months

Rates:
13% to 15%
Fees:
2% to 3%

Malve Capital

Malve Capital, a real estate private lending fund, offers bridge, fix and flip, ground-up, and refinance loans. As asset-based direct lenders, we handle all lending in-house with closing times as fast as 5 days. Our rates start at 9% with transparent fees, dedicated support, and minimal documentation. Each client gets a direct team contact.

Loan Size:
$50,000 to $5,000,000
Loan Terms:
6 months to 24 months

Rates:
9% to 12%
Fees:
1% to 2%

Gelt Financial

Gelt Financial, a South Florida direct portfolio lender since 1989, provides non-bank loans for real estate investors. With 10,000+ closed loans, we offer direct access to decision-makers for fast approvals without committees. As private lenders, we welcome complex deals and tackle any financing challenge.

Loan Size:
$50,000 - $2,000,000
Loan Terms:
6 months to 5 years

Rates:
12% +
Fees:
3%

Crosby Capital USA

Crosby Capital USA is a unique and creative direct lender for short-term bridge loans in Florida and the New York City metro area. Our maximum LTV is a conservative 60%, but can fund loans that most other lenders shy away from.

Loan Size:
$200,000 to $50,000,000
Loan Terms:
2 months to 12 months

Rates:
11% to 14%
Fees:
1% to 3%