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Hard Money Lenders in Texas
10 of the 13 national hard money lenders we compared say on their websites that they lend in Texas. The lowest advertised starting rates among them: Lima One Capital (as low as 7.75%), Kiavi (as low as 8.25%), Easy Street Capital (starting at 8.90%). We also list 5 lenders based in Texas.
National lenders that lend in Texas
| Lender | Fix-and-flip rate | Max leverage | Min credit score | Loan size | Time to close |
|---|---|---|---|---|---|
| Lima One Capital | As low as 7.75% | Up to 95% LTC, 75% of ARV, 100% of rehab | 660 | $100K to $5M | Within 3 weeks for repeat borrowers; Bridge Plus in as few as 7 days |
| Kiavi | As low as 8.25% | Up to 100% LTC / 80% ARV (an FAQ on the same page says up to 95% LTC) | Not stated | $100K to $5M | As few as 7 days |
| Easy Street Capital | Starting at 8.90% | Up to 93% LTC (90% of purchase, 100% of rehab), up to 75% of ARV | 600 | $75K to $5M+ | As little as 24 to 48 hours (its pages give both) |
| New Silver | 9% to 11% | Up to 90% LTC | Not stated | Up to $5M | Average 10 days to close |
| Sherman Bridge | As low as 9.99% | Not stated | Not stated | Not stated | Not stated |
| Express Capital Financing | 10% to 12% | Up to 90% of acquisition and 100% of renovation (its meta description says up to 75% of total project cost) | 600 | $150K to $10M | As little as 5 days |
| LendingOne | Not published | Up to 92.5% LTC, 100% of rehab | Not stated | $100K to $3M | As little as 5 days (its FAQ says 10 business days) |
| Upright | Not published | Up to 90% of purchase, 92.5% of total cost, 75% of ARV; 100% of rehab | Not stated | $125K to $3.5M (1 to 20 units) | As few as 7 days |
| Ternus | Not published (priced by experience, credit and leverage) | Up to 90% of purchase (100% on Elite), 100% of renovation, capped at 70% of ARV (75% on Elite) | 660 for loans above $500K | $50K to $1M | Not stated |
| Griffin Funding | Not published | Not stated | Not stated | From $100K | Often 7 to 10 days |
Rates are each lender's advertised starting rate for fix-and-flip loans. Click a lender for its full terms.
Hard money lenders based in Texas
Tidal Loans
Houston, TX. Phone: 832-757-1262.
- Loans: Fix and flip, new construction, bridge, DSCR rental, transactional funding, multifamily, commercial
- Loan size: Not stated
- Rates: Not published; up to 90% of purchase and 100% of rehab
- Where: Lends in most states; does not lend in AK, CA, DE, HI, MN, ND, NM, NV, OR, SD, UT
Texas Funding Corporation
Houston, TX. Phone: (713) 932-6600.
- Loans: Short-term private money, commercial, land
- Loan size: Not stated
- Rates: Not published
- Where: Texas and beyond
Catalyst Funding
Houston, TX. Phone: 832.699.6960.
- Loans: Hard money, rental, DSCR, blanket and portfolio loans
- Loan size: Not stated
- Rates: Not published
- Where: Hard money throughout Texas; long-term loans in all 50 states
Corridor Funding
Spring Branch, TX. Phone: 210.941.3916.
- Loans: Fix and flip, bridge, value add, new construction, rehab to rental, multifamily, commercial, 30-year rental
- Loan size: Not stated
- Rates: 30-year fixed rental from 6.5% with 0% origination; no fix-and-flip rate published
- Where: Describes itself as a Texas-based hard money lender
Longhorn Investments
Dallas, TX. Phone: 1 (877) 420-7346.
- Loans: Short-term acquisition and renovation loans, new construction
- Loan size: Not stated
- Rates: Not published
- Where: Lends in AL, AR, GA, IN, KS, MO, NC, NM, OH, TN, TX
Other regional lenders that list Texas
Ridge Street Capital
Miami, FL. Phone: 786-304-2751.
- Loans: Fix and flip, DSCR rental, construction, short-term rental
- Loan size: $50K to $3M (fix and flip)
- Rates: Fix and flip 10.5% to 11.75%; DSCR 6.0% to 7.99%; construction 10.99% to 12.25%; origination from 1.5%
- Where: Lends in AL, AR, CO, CT, DE, FL, GA, HI, IA, IL, IN, KS, KY, LA, MA, MD, ME, MO, MS, MT, NC, NE, NH, NM, NY, OH, OK, PA, RI, SC, TN, TX, WA, WI, WV, WY
Lenders that do not publish a state list
Groundfloor, RCN Capital, CoreVest do not publish which states they lend in. Ask them directly about Texas.
Compare all national hard money lenders
Frequently asked questions
Who are the hard money lenders in Texas?
10 of the 13 national hard money lenders we compared say on their websites that they lend in Texas. The lowest advertised starting rates among them: Lima One Capital (as low as 7.75%), Kiavi (as low as 8.25%), Easy Street Capital (starting at 8.90%). We also list 5 lenders based in Texas.
What do hard money loans cost in Texas?
Among national lenders that lend in Texas, the lowest advertised starting rates are Lima One Capital (as low as 7.75%), Kiavi (as low as 8.25%), Easy Street Capital (starting at 8.90%). Points and fees come on top, and starting rates go to the most experienced borrowers with strong credit. Check each lender's terms.