Texas hard money loans
Commercial Hard Money Loans
Hard money for Texas commercial property: retail centers, office buildings, retail, and industrial. No credit minimums, no qualifying, and no prepayment penalty.
Is this the right loan?
Best for
- Commercial bridge and value-add scenarios
- Stabilizing rent roll before a long-term refinance
- Investors with a clear lease-up or repositioning plan
Not for
- Owner-occupied business premises seeking consumer-style terms
- Deals without a credible stabilization or exit plan
- Properties outside Texas
Terms snapshot
- Rate
- Starting at 12%
- Points / origination
- Loan fee of 2 to 3 points
- Doc fee
- $995 Doc Fee
- Loan amount
- $50,000 - $1,000,000
- Term
- 6 to 12 month terms (with extension provisions)
- Max leverage
- Up to 75% Loan to Value
- Property types
- Retail centers, Office buildings, Retail, Industrial
- Owner-occupied
- Not eligible - investment / non-owner-occupied only
Sample commercial deal
| Purchase price | $700,000 |
|---|---|
| Property type | Multi-tenant retail |
| Requested loan amount | Up to ~$525,000 (≤ 75% LTV) |
| Term | 12 months + extension |
| Monthly interest estimate | Interest-only on the balance |
| Exit strategy | Stabilize occupancy, then refinance into a long-term commercial loan or sell. |
Illustrative only. Not a quote or a commitment to lend.
How a deal usually moves
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Share the deal
Send the property, rent roll, leases, and your plan.
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Underwriting review
We review leases, rent roll, condition, and exit feasibility.
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Term sheet
Term sheet outlines leverage, rate, points, and term.
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Title
Title and environmental considerations reviewed with your title company.
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Close
Closing and funding.
Documents we may ask for
Every deal is different. Depending on the property and how it's structured, we may ask for more than this, sometimes a lot more.
- Executed purchase contract
- Entity formation documents
- Government-issued ID
- Rent roll
- Leases
- Stabilization / business plan
- Property condition / environmental information
- Title company contact
- Exit strategy
Common reasons a deal may not fit
- Owner-occupied / primary residence request
- Property located outside Texas
- Unresolved title issues
- Unsupported or unrealistic ARV
- Weak or undefined exit strategy
- Insufficient documentation
- Unsupported property type
- Unresolved environmental concerns
- Weak or unverifiable rent roll
Frequently asked questions
What commercial property types do you consider?
Retail centers, office buildings, retail, and industrial investment property in Texas, non-owner-occupied scenarios.
Do I need to qualify or meet a credit minimum?
No credit minimums and no qualifying. We look at both the borrower and the property, but as a private money lender we can be much more creative with each scenario than traditional lenders.
Do you consider environmental and title issues?
Yes. Environmental and title considerations are part of commercial underwriting and may affect feasibility.
Fund your next commercial deal
Send us the property and the numbers. We underwrite in-house, so we can get back to you fast.