Texas Hard Money Lender

Fast, Flexible & Trusted Funding for Hard Money Loans

We offer hard money loans with no prepayment penalties, no appraisal fees, and can fund in a matter of days.

Looking for fast, reliable hard money loans in the Lone Star State? Source Capital is a direct Texas hard money lender with over 40 years of money lending experience and more than $550M funded. We specialize in serving real estate investors who need asset-based financing solutions for their next big real estate investment. Whether you’re purchasing an investment property in Houston, tackling flip projects in Dallas, or developing new construction in Austin, we’ll help you secure the funding you need—quickly and on your terms.

As one of the premier private money lenders in Texas, we provide short-term loans for everything from bridge loans to rental loans, helping each borrower close in as few as 7–10 business days. Our streamlined underwriting focuses on the property’s after repair value (ARV) and loan-to-value (LTV) rather than your credit score alone, making us a top choice for real estate investors who want to seize opportunities in a dynamic real estate market without the hassle of conventional loans or prohibitive prepayment penalty charges.

Why Choose Source Capital as Your Texas Hard Money Lender?

Texas is home to booming real estate markets—Houston, Dallas, Austin, San Antonio, Fort Worth, and beyond—where timing can make or break a deal. Our Texas hard money loans offer the speed, simplicity, and flexibility you need:

Fast Decisions

As a direct lender, our approval process is built for speed as we underwrite and make all decisions in-house. From the time we are initially contacted to the time the loan is funded, our streamlined process allows us to fund loans in a matter of days.

Proven Track Record

Since 2007 we have successfully funded over $550M in loans secured by real estate. We have earned our reputation as a lender known for speed, reliability, and fairness. Our team has the experience and ability to provide quick, direct answers to help expedite our client’s requests.

Well Capitalized

We’re a direct lender with immediate access to capital to lend. Because our company is backed by well established, accredited investors, there is always capital available to fund our loans. We are able to close quickly and with full transparency.

Client Testimonials

“We were very pleased with the service we received from Source Capital. Communication was clear and responsive, funding was quick, and terms were as agreed and proposed.”

Brian OverstreetPresident, Advera Health Analytics

“Sacha and his team were on point from our first call to funding. They were professional and easy to work with. We will definitely be using them for our future transactions”.

Mark O’ToolePresident, Pacific Coast Home Mortgage & Real Estate Inc.

“The staff at Source Capital has helped me create new income streams. They are consistent, direct and deliver every time.”

Michael KornAgent, Keller Williams Realty

“As a lender myself, working with Source Capital shows that there are still a lot of good people in our industry, and we will definitely be in connection to do future business together. Job well done.”

Anthony TrujilloMortgage Broker, Paramount Partners

“I have never dealt with a hard money lender before but I can tell you my experience with Source Capital was very positive. I highly recommend”

Courtney RothClient

“Recently completed another flawless transaction with Source Capital. Why would anyone want to go anywhere else? They’re the best.”

Marianne BordognaAgent, Keller Williams Realty

“The team at Source Capital Funding was fantastic. Their professionalism, speed and solid loan terms is why I will be coming back to close more business with them.”

Sergio AbbudSenior Loan Officer, Better Rate Mortgage

“The team at Source are consummate professionals who work efficiently and effectively. Simply stated- truly exemplary and professional people”

Paul ElamOwner, San Diego’s Real Estate

“Source Capital has been an absolute pleasure to work with throughout. These guys are on top of their game.”

Tyler HansonAssociate Broker, Cushman & Wakefield

“In all my years, I can confidently say they are the most professional, prompt, courteous, and efficient private lender I have ever worked with!”

Greg ShieldsOwner, GSI Appraisals

“They were very responsive and extremely helpful and would certainly use them again. I highly recommend their services.”

Alvin FuchsAgent, Keller Williams Realty

“Highly recommend Source Capital Funding if you need money fast and you value efficiency. I will go back to them again if I need funding in the future. “

Kendall HeathClient

“I have always had a highly professional and honest experience with everyone on their team and would recommend to anyone looking for financing.”

Andrew BellahOwner, The Bellah Group

“They are always so patient, helpful, and professional. and have helped me so much! This can be such a stressful process, but they make it all so easy.”

Lauren MarcusClient

“Smooth and fast transaction as the loan was funded in 8 days. They are a pleasure to work with – Strongly Recommended.”

Borna EftekariAgent, Farmers Insurance

Texas Hard Money Loans – Terms & Highlights

Our loan programs cater to a variety of real estate projects, from fix-and-flip to buy-and-hold rental properties:

INTEREST RATES	8.99% – 11.99% – First Position 11.99% -13.99% – Second Position	LOCATION	Arizona, California, Colorado, Minnesota and Texas only
LOAN AMOUNTS	$100,000 – $5,000,000	TYPES OF LOANS	Acquisition, Refinance and Cash-Out
LOAN DURATION	12-24 months	LIEN POSITION	First and Second Trust Deeds Only
ORIGINATION FEE	Starting at 2.0% of loan amount, depending on loan size and length of term	PROPERTY TYPES	Owner and Non-Owner Occupied Residential. Multifamily, Commercial, Industrial, Office, Retail, Mixed Use
LOAN TO VALUE	Up to 65% LTV in first position Up to 50% CLTV in second position	APPRAISAL FEE	None
CLOSING TIMEFRAME	10 business days or less	PREPAYMENT PENALTY	None

There are no minimum credit scores, employment requirements or financial minimums to qualify for a loan.

*All loans are secured by real estate for business purposes only

By tailoring our loan amount to the property’s asset-based metrics, we ensure you can act fast in a competitive real estate market—whether you’re investing in Dallas or acquiring commercial real estate in Houston.

APPLY NOW

Why Hard Money in Texas?

Traditional financing isn’t always the best fit—especially in competitive Texas real estate markets, where speed and flexibility can make or break a deal. Hard money loans offer an alternative for investors, developers, and business-purpose borrowers who need rapid access to capital without the constraints of conventional lenders.

At Source Capital, our Texas hard money loans are asset-based, which means approval revolves around the value of the property rather than credit history, income, or excessive financial documentation. This approach makes our loans especially suitable for:

Real Estate Investors – Obtain short-term funding to purchase, renovate, and quickly sell properties.
Bridge Financing – Bridge the gap between property sales or refinances with fast, flexible capital.
Distressed Property Purchases – Acquire foreclosures, REOs, or auction properties that traditional lenders often won’t touch.
Cash-Out Refinancing – Tap into the equity in your existing real estate to fund new opportunities.
Business Purpose Loans – Launch or expand real estate-backed business ventures without lengthy approval processes.

While conventional mortgage loans might take weeks—or even months—to close, Source Capital can approve and fund a Texas hard money loan in as little as 7–10 days. This speed helps borrowers seize opportunities and stay competitive in the Lone Star State’s thriving real estate markets.

Recently Funded Deals in Texas

We’re proud of our fast funding and transparent approval process for Texas borrowers. Here are a few recently funded hard money loans in Texas:

Austin, Texas Hard Money Refinance Loan

$2,200,000

Mansfield, Texas Hard Money Refinance Loan

$155,000

Burleson, Texas Hard Money Refinance Loan

$175,000

Lufkin, Texas Hard Money Refinance Loan
Commercial

$650,000

Prosper, Texas Hard Money Refinance Loan

$800,000

Weatherford, Texas Hard Money Refinance Loan

$750,000

Austin, Texas Hard Money Blanket Refinance Loan

$900,000

Georgetown, Texas Hard Money Refinance Loan

$265,000

Flower Mound, Texas Hard Money Refinance Loan

$160,000

Richardson, Texas Hard Money Refinance Loan

$295,000

These success stories highlight our commitment to short closing times, flexible loan terms, and a streamlined loan process—wherever you are in Texas, from Dallas to Houston and beyond.

Loan Programs – Flexible Hard Money Lending Solutions in Texas

At Source Capital, our loans are secured by residential, commercial, or industrial properties. We do not offer unsecured loans or financing for primary residence purchases.

Whether you’re investing in new Texas real estate or leveraging equity in a property you already own, we customize our lending solutions to meet your goals. Our expertise, efficiency, and asset-based underwriting make us a trusted partner for real estate investors and business-purpose borrowers across Texas.

Hard Money Loan Programs

Refinance Loans – Quickly unlock the equity in your residential or commercial property. Whether you need to consolidate debt, access working capital, or reinvest in new projects, our streamlined refinancing process features fast approvals and competitive terms.
Investment Property Loans – In the fast-paced Texas market, speed can be the deciding factor. As a direct lender, we offer immediate capital for acquiring rental properties or investment homes, helping you secure deals before others even have a chance to bid.
Commercial Hard Money Loans – From mixed-use properties and industrial spaces to office buildings and retail storefronts, our commercial hard money loans are structured for efficiency. Rely on our experience to navigate complex transactions and receive funding quickly.
Probate & Estate Loans – We specialize in probate and estate financing for trusts, heirs, and beneficiaries requiring prompt access to liquidity. Whether you’re settling estate obligations or buying out other stakeholders, our estate-focused expertise helps you move forward with confidence.
Bridge Loans – For short-term financing needs, our bridge loans fill the gap between transactions—ideal for real estate investors awaiting permanent financing or purchasing properties that require a quick close.
Cash-Out Refinance Loans – Use your existing Texas real estate to free up capital for additional investments, renovations, or other business objectives. Our cash-out refinance loans come with flexible terms and rapid funding, giving you ready access to the funds you need.

How to Get Approved for Texas Hard Money Loans

Securing your financing is straightforward:

1. Apply Online

Complete our short loan application to start your mortgage loan or property loans request.

2. Submit Property Details

Provide basic info about your property types (e.g., single-family, multi-family, commercial real estate, etc.) and loan purpose.

3. Receive a Written Offer

We send a written offer within 24 hours, detailing interest rates, loan amount, and any required docs or escrow steps.

4. Funding

Accept the offer and receive funds in 7–10 days.

Get Funded Now

Source Capital – Your Trusted Texas Hard Money Lender

When it comes to private lending in the Lone Star State, Source Capital stands out among Texas hard money lenders for our speed, transparency, and experience. Whether you’re taking on new construction in Austin, eyeing a prime commercial real estate deal in Houston, or seeking quick refinancing on a single-family rental property in San Antonio, our direct lending approach ensures you get the short-term loans you need—fast.

We serve all of Texas, including Dallas, Fort Worth, Waco, El Paso and more.

Ready to grow your real estate investment portfolio with asset-based financing and no prepayment penalty? Apply online or call us at 888.249.6957 to learn more.

Texas Hard Money Lender

How fast can I get funded in Texas?

We typically provide funding in as little as 7–10 days, thanks to our in-house underwriting. For time-sensitive deals, we can expedite the process.

What Types of Loans Do You Offer?

At Source Capital, all of our Texas hard money loans are secured by residential, commercial, or industrial properties. We do not provide unsecured loans or financing for the purchase of a primary residence.

Whether you’re acquiring an investment property or leveraging the equity in real estate you already own, we offer flexible lending solutions tailored to your needs. Our direct lending approach ensures fast approvals, competitive terms, and a streamlined process—helping you capitalize on opportunities in Texas’s robust real estate market.

Do hard money lenders need to be licensed in Texas?

Absolutely. To originate and fund loans in Texas, a lender needs to be BOTH State and Federally licensed.

At Source Capital, we continuously have the proper licensing to operate where we lend, so you don’t have to worry about working with an unlicensed lender.

Whether you’re taking out hard money loans in Colorado or Texas, you’re always working with reputable hard money lenders when you work with us.

Are hard money loans legal in Texas?

Yes. Hard money lending in Texas is regulated by state laws, and Source Capital adheres to all relevant regulations for a smooth, compliant process.

What types of properties in Texas can you finance?

Generally speaking, hard money loans in Texas are designed for single family or condominium investment properties or second homes only due to Homestead Laws in the state. Some common types of commercial property that hard money loans are used for include:

Apartments
Medical offices
Office buildings
Retail buildings
Warehouses and industrial buildings

Securing a traditional loan to purchase these types of properties can be difficult, but it’s easier with a hard money loan. We offer hard money loans in Arizona, Texas, and other surrounding states to help you take the leap and make real estate investments.

How do hard money loans work in Texas?

When you borrow from a Texas hard money lender, you put down collateral in the form of real estate to secure your loan and this is what is focused on the most in the underwriting process.

With traditional (bank) loans, the main criteria for lending is based on your credit and financial situation. So if you have poor credit, a past bankruptcy or foreclosure and do not have steady employment, it is very difficult to qualify for the loan.

However, if you’re having trouble securing a traditional loan or need quick access to money, taking out a hard money loan may be a simpler alternative for you.

What are the benefits of working with a Texas hard money lender?

Texas hard money lenders can help you get access to money you might not be able to access through a traditional loan. Since you’re using collateral as security for the loan, it’s easier to get approved quickly. This also means you receive your money faster, so you can invest before you miss your opportunity.

Working with a licensed, direct lender like Source Capital gives you a chance to discuss your loan one-on-one with an expert if you have any questions. Whether you’re planning on investing in an apartment as an investment or want to use the equity in your current real estate, we can help with financing. We even offer owner-occupied hard money loans in Texas if you’re purchasing a residential property where you intend to live.

How long does the loan process take?

Because we are a direct hard money lender, we typically can approve loans in 24 hours and fund loans within 7-10 days from initial contact. Our automated hard money loan process and direct access to capital allows for quick decisions and funding with minimal paperwork.

How do I get approved for a Texas hard money loan?

Getting approved for a hard money loan in Texas is easy. Unlike traditional loans that require an evaluation of your financial situation, including credit history, credit score, and income, hard money lenders in Texas focus solely on your property as collateral.

At Source Capital, we assess each application on a case-by-case basis. Whether you are a foreign national, have a history of bankruptcy, or are self-employed, we are here to help! Apply now online, or if you have any questions about applying for a Texas hard money loan, please don’t hesitate to give us a call at 888.249.9827.

What areas in Texas do you lend in?

We lend throughout the state but mainly focus on more urban than rural areas. Austin, Houston, Dallas/Ft. Worth, San Antonio, El Paso, and Arlington are just a few of the cities we lend in and their respective outlying areas.

Get Funded Fast – Apply Today!

Provide us some brief information about your hard money needs and a decision maker will get back to you as soon as possible to discuss.

Apply Now

Texas Hard Money Lender

We offer hard money loans with no prepayment penalties, no appraisal fees, and can fund in a matter of days.

Why Choose Source Capital as Your Texas Hard Money Lender?

Client Testimonials

Texas Hard Money Loans – Terms & Highlights

Why Hard Money in Texas?

Recently Funded Deals in Texas

Loan Programs – Flexible Hard Money Lending Solutions in Texas

Hard Money Loan Programs

How to Get Approved for Texas Hard Money Loans

Source Capital – Your Trusted Texas Hard Money Lender

Texas Hard Money Lender

Get Funded Fast – Apply Today!