Compare Lenders
Texas Hard Money Lenders Compared
We put our published rates, terms, and closing speed next to five other Texas hard money lenders, quoted from each lender's own site as of August 2, 2026.
Last updated
How this comparison works, and who wrote it
We are Cedar Top Lending, one of the six lenders below, so read this page knowing who built the table. Every figure for every other lender is quoted from that lender's own website as of August 2, 2026, with the source page linked. Where a lender does not publish a number, the cell says "Not published" instead of a guess. Terms change; confirm current numbers with each lender before you commit.
Published Terms, Side by Side
| Lender | Published rate | Published fees | Max leverage | Loan amounts | Advertised close | Notes |
|---|---|---|---|---|---|---|
| Cedar Top Lending That's us | From 12% | 2% to 4% origination, $995 doc fee | Up to 75% ARV (purchase + rehab) | $50K to $1M ($2.5M on land) | As little as 24 hours pending title | Texas only. In-house underwriting, no minimum credit score, no prepayment penalty. |
| Easy Street Capital | Starting at 8.90% | "0 point options"; $1,995 document fee (per site FAQ) | Up to 93% LTC / 75% ARV, 100% rehab | $75K to $5M+ | 24-hour closings advertised | Nationwide. 600 FICO minimum published. 6 to 18 month terms. |
| Longhorn Investments | Not published | Not published | Up to 75% ARV, up to 100% of cost | Not published | 3 to 5 business days | Multi-state. No W-2s or tax returns required; first-time investors encouraged. |
| Ternus Lending | Not published (fix and flip) | Not published (fix and flip) | Up to 100% financing, capped at 70% ARV | $50K to $500K | 24-hour potential with clear title | DFW-based. No appraisals or credit checks on fix and flip per site. |
| Matador Lending | Not published | Not published | Up to 90% of purchase + 100% of rehab | Not published | As little as 48 hours after full application | DFW-focused, lending since 2008. No minimum FICO per site. |
| Capital Fund 1 | Not published | Not published | Not published | Not published | "As little as 24 hours" per site | Quote-based pricing; site directs borrowers to call. Terms "typically 2 to 5 years". |
Figures are quoted from each lender's linked page on August 2, 2026. "Not published" means the linked page shows no figure. Advertised starting rates and speeds are best-case; every lender, including us, underwrites each transaction individually.
How To Read This Table Honestly
Two of the six lenders publish a rate. Easy Street Capital's 8.90% start is lower than our 12% start, and if your credit fits their 600 FICO minimum and your property fits a national underwriting box, they are worth a call. Our answer to that is not to argue with their number. It is that we publish all of ours: rate, points, doc fee, leverage, and loan range are all on our rates and terms page, so you know your whole cost before you ever pick up the phone.
Where we tend to win your business is the part of Texas the table cannot show. We lend in the small-town and rural North Central and West Texas markets that national lenders often decline, we underwrite in-house with no outside appraisal queue, and the same office handles 1031 exchanges and loan servicing. If your deal is a Fort Worth flip with clean comps, get three quotes including ours. If it is acreage outside Abilene with a tight closing, we are usually the ones who can actually close it for you.
Comparing Texas Hard Money Lenders: FAQs
Which Texas hard money lender has the lowest advertised rate?
Of the lenders in this comparison, Easy Street Capital publishes the lowest starting rate at 8.90% on its EasyFix program, against our published start of 12%. Two things are worth weighing: advertised starting rates typically go to the strongest borrowers and the largest loans, and rate is only one line of your total cost. Easy Street publishes a $1,995 document fee and a 600 FICO minimum; our doc fee is $995 and we have no minimum credit score. On a 5-month flip, the difference in your total carry is usually smaller than the rate gap suggests, so run the numbers for both lenders before deciding.
Why do most hard money lenders not publish their rates?
Most price each deal individually and want a phone call before quoting, which is why four of the six lenders in this table publish no rate at all. That is a legitimate way to run a lending business, but it makes comparison shopping slow for you. When a lender will not publish numbers, ask for the full quote in writing: rate, origination points, document and processing fees, draw fees, extension fees, and any minimum interest. The unpublished fees are usually where quotes diverge.
What matters more than the interest rate on a fix and flip loan?
Three things usually cost or save you more than a point of rate: sizing (a loan sized on after-repair value that covers your purchase and your rehab means less cash out of your pocket), draw speed (slow rehab draws stall your contractor and stretch your carry), and certainty of close (a lender who misses your contract deadline can cost you the property). Rate matters, but on a short hold, your total carry over the months you own the property is the number to compare.
Is a local Texas hard money lender better than a national one?
Neither is automatically better for your project. National lenders often publish lower starting rates and lend larger amounts. A Texas lender underwriting in-house can usually move faster on unusual properties and knows the local market, including the small-town and rural markets national lenders often decline. If your property is in a major metro and your credit and finances are strong, get quotes from both. If it is rural acreage, a small-town property, or a tight timeline, a local lender is more likely to be able to close it for you.
Get Our Quote In Writing
We underwrite your loan in house and give you rate, points, and fees for your specific deal in writing. Apply online or call us at 817-984-3129.