Customer Focused Texas Based Private Money Lender
based in Fort Worth, Texas

Hard Money Loans - 1031 Exchanges - Loan Servicing

We Are Your Partner

We are real estate investors ourselves. Our team provides fast, flexible funding options with all in-house staff and turn-key loan solutions for a variety of different transaction types.

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We Are A Full Service Private Lending Company

Cedar Top Lending has a well-rounded team with a strong background in Residential, Commercial, and Industrial real estate projects throughout Texas. We can help you to be successful with your next project.

Loan Servicing
Loan Servicing

We are a full service loan servicing company for seller financed notes across Texas.

Multiple Loan Types
Multiple Loan Types

Fix and Flip, New Construction Loans, Transactional Funding, Hard Money Loans

1031 Exchanges
1031 Exchanges

Save on the sale of your property with our tax-deferred exchange services.

Our Loan Process

Apply Online

Fill out our simple application to get a free, no-obligation quote

Quick Approvals

Our in-house decision making team works fast to analyze your deal.


Our team can close in as little as 24 hours from start to finish!

Meet Our Team

Blaine Covington

Blaine Covington


Blaine has worked in the real estate industry in Texas since 1998 when he founded his first real estate brokerage. With a deep understanding of a variety of real estate transactions, he provides our team with the ability to think outside the box and move in a fast, efficient, and effective manner.

Kody Fain

Kody Fain


Spending 6 years working in commercial and agricultural banking and lending has enabled Kody to bring a strong banking and finance background to our loan servicing and private money lending platform. Kody also earned an MBA in Banking and Financial Institutions Sam Houston State University.

Stephanie Shaw

Stephanie Shaw

Transaction Coordinator

Stephanie brings to our team an unmatched drive to provide top-notch customer service to each and every one of our customers and clients. As a licensed Texas Real Estate Agent in addition to providing 1031 Exchange Services, she brings top notch customer service to our team.

Why Choose Us

Leave it to us, our team has operated in almost every facet of the real estate industry. Our goal is to lead with past experience and knowledge to design a loan program that works best for you – our goal is for our clients and customers to be successful.

Our Experienced Team
Cedar Top has a fully qualified and experienced staff who work as a team with each team member providing unsurpassed qualifications and customer service.
Our loan process is simple so we can fund your deal quickly. No third party inspections or appraisals to wait on or outside underwriting. Our deals are funded in-house so no delays are possible.
Common Sense
We are not a traditional lender. We have agility and responsiveness on our side. We underwrite and review every file without relying on automated systems which allows us to base our loan decision on a variety of real world factors and variables.
Property Types
We offer commercial loans and purchase options for investment properties including rental homes, multifamily properties and commercial buildings.