Texas hard money loans
Commercial Hard Money Loans
Hard money for your Texas commercial property: retail centers, office buildings, and industrial. No credit minimums and no prepayment penalty.
Rate
Starting at 12%
Loan amount
$50,000 - $1,000,000
Term
6 to 12 month terms (with extension provisions)
Last updated
What is a commercial hard money loan?
A commercial hard money loan is short-term, asset-based financing for your investment or income-producing commercial real estate. Approval is driven by the property and your deal rather than conventional bank underwriting, which lets you close on a timeline banks cannot match.
Terms snapshot
- Rate
- Starting at 12%
- Points / origination
- Origination fee of 2% to 4%
- Doc fee
- $995 Document 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
- Payments & fees
- Interest only payments · NO prepayment penalty
- Property types
- Retail centers, Office buildings, Industrial
- Owner-occupied
- Not eligible - investment / non-owner-occupied only
Example Commercial Loan
| Purchase price | $700,000 |
|---|---|
| Property type | Multi-tenant retail |
| Requested loan amount | Up to ~$525,000 (maximum 75% loan to value) |
| Term | 12 months, plus an extension |
| Monthly interest estimate | Interest-only on the balance |
| Exit strategy | Stabilize occupancy, then refinance into a long-term commercial loan or sell your property. |
Illustrative only. Not a quote or a commitment to lend.
How funding works
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Apply online
Fill out our contact form with your loan request details: the property, rent roll, leases, and your plan.
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Review
We review each transaction personally and in-house, which allows us to make a lending decision quickly.
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Term sheet
If your project fits our commercial program, you will receive a term sheet stating leverage, rate, points, and term.
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Title
We review title and environmental considerations directly with your title company.
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Close
Once title work is clear and all documents are signed, we close and fund your loan.
Documents Required
The usual list. Some loan programs require one or two more items which will be requested as needed.
- Executed purchase contract
- Entity formation documents
- Government-issued ID
- Rent roll
- Leases
- Stabilization / business plan
- Property condition / environmental information
- Title company contact
- Exit strategy
What we can't fund
- Owner-occupied / primary residence request
- 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?
We consider retail centers, office buildings, and industrial investment property in Texas, non-owner-occupied scenarios.
Do I need to qualify or meet a credit minimum?
No credit minimums. Our commercial review focuses on your rent roll, your leases, the property itself, and your stabilization or exit plan.
Do you consider environmental and title issues?
Yes. Environmental and title considerations are part of our commercial underwriting and may affect feasibility.
Texas markets we serve
North Central & West Texas
Northeast & East Texas
Apply for Texas Commercial Hard Money Loans
We underwrite every loan in-house. Fill out our short application or call us - we look forward to working with you on your next Texas investment property.