Commercial Hard Money Loans Texas
Fast, asset-based commercial hard money loans in Texas for investors, developers, and business owners.
- Rates start from 8.99%
- Up to 70% LTV on first trust deeds
- Fast funding in 10 business days or less
Why Source Capital for Commercial Hard Money Lending in Texas
As premier commercial hard money lenders in Texas, Source Capital provides direct, asset-based equity financing for non-owner-occupied real estate.
- Our Texas commercial hard money for real estate lenders has 65% LTV first-position loans starting at 8.99% fixed.
- Eliminate third-party institutional delays with direct, in-house underwriting decision-making.
- Secure reliable capital without appraisal fees, prepayment penalties, or hidden fees.
Commercial Hard Money Loan Highlights
Flexible Terms
Direct first-position hard money commercial loans in Texas up to 70% LTV with zero prepayment penalties.
Competitive Rates
Transparent pricing starting from 8.99% fixed rates with zero junk fees.
Fast Escrow Funding
Streamlined underwriting decision-making delivers capital in 10 business days or less.
Asset-Based
Underwriting focuses on real estate collateral equity instead of personal credit or DTI.
How Commercial Hard Money Loans Work in Texas
Commercial hard money lending is a streamlined, asset-based financing process in which approval relies on property equity rather than the borrower’s tax returns or credit history. First, borrowers submit an initial application evaluating the commercial asset. Source Capital then underwrites the property’s current value to issue a written commitment. Once approved, funding is completed through escrow within 10 business days or less, followed by simple monthly payments.
Types of Properties We Lend For in Texas
Commercial real estate includes a broad range of property types, from conventional office and retail buildings to specialized assets such as healthcare facilities and data centers.
Identifying the type of property being financed is important because different asset classes can have unique valuation, income, operating, and financing considerations.
Office
Office properties can include standalone professional buildings, suburban office parks, and large urban high-rises. They are commonly classified as Classes A, B, or C based on factors such as location, age, condition, and amenities.
Industrial
Industrial real estate covers warehouses, distribution centers, manufacturing facilities, logistics properties, and flex-industrial buildings. These properties are generally used for storage, manufacturing, distribution, and other business activities.
Multifamily
Multifamily properties consist of apartment buildings and other income-producing residential properties with multiple units. For investment purposes, properties with five or more dwelling units are generally considered commercial real estate.
Retail
Retail properties provide space for businesses that sell goods or services directly to consumers. Common examples include standalone storefronts, strip malls, shopping centers, grocery-anchored properties, and larger regional retail developments.
Specialized Commercial Properties
Specialized commercial real estate includes sectors such as hospitality, healthcare, and alternative property types. Hospitality assets can include hotels, motels, and extended-stay properties, while healthcare real estate may include medical offices, clinics, and specialized care facilities.
Alternative commercial properties can include self-storage facilities, data centers, and life sciences properties. Mixed-use developments may also combine commercial and residential uses within the same project.
What Texas Borrowers Say About Us
How to Qualify for a Commercial Hard Money Loan in Texas
Qualifying for commercial hard money loans in Texas requires non-owner-occupied real estate collateral with sufficient equity rather than personal tax returns or credit scores. Borrowers satisfy eligibility by demonstrating asset value and a clear business purpose.
- Borrowers secure a Texas hard money loan by closing under a business entity, such as an LLC, corporation, or partnership.
- Qualification requires securing first-position lien status on commercial assets without personal debt-to-income restrictions.
Benefits of Commercial Hard Money Loans in Texas
Flexible Financing
Access direct, first-position commercial equity funding up to 70% LTV without personal debt-to-income restrictions or tax return verifications.
Competitive Rates
Enjoy transparent, affordable pricing with fixed interest rates starting from 8.99% and zero hidden junk or appraisal fees.
Proven Success
Rely on a direct private lender with over $550M funded and fast escrow closings completed in 10 business days or less.
Strong Brand Recognition
Partner with a licensed mortgage institution holding an A+ Better Business Bureau rating and five-star reviews across major platforms.
Deal directly with a decision maker
Texas Hard Money Loan Rates
|
Interest Rates |
8.99% – 11.99% (1st Position)
11.99% – 13.99% (2nd Position) |
|
Loan Amounts |
$100,000 – $5,000,000 |
|
Loan Duration |
12-24 months |
|
Closing Timeframe |
10 business days or less |
|
LTV ratios |
Up to 70% LTV (1st Position)
Up to 60% LTV (2nd Position) |
|
Prepayment Penalty |
None |
|
Appraisal Fee |
None |
|
Credit Score |
No minimum |
|
Property Types |
Non-owner-occupied (multifamily, industrial, office, retail, and mixed-use) |
|
Origination Fee details |
Starting from 2.0% of loan amount (varies by size & term length) |
Cities We Serve in Texas
As Featured In
Testimonials
“Smooth and fast transaction as the loan was funded in 8 days. They are a pleasure to work with – Strongly Recommended.”
Borna Eftekari
- Agent, Farmers Insurance
“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 Marcus
- Client
“I have always had a highly professional and honest experience with everyone on their team and would recommend to anyone looking for financing.”
Andrew Bellah
- Owner, The Bellah Group
“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 Heath
- Client
“They were very responsive and extremely helpful and would certainly use them again. I highly recommend their services.”
Alvin Fuchs
- Agent, Keller Williams Realty
“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 Shields
- Owner, GSI Appraisals
“Source Capital has been an absolute pleasure to work with throughout. These guys are on top of their game.”
Tyler Hanson
- Associate Broker, Cushman & Wakefield
“The team at Source are consummate professionals who work efficiently and effectively. Simply stated- truly exemplary and professional people”
Paul Elam
- Owner, San Diego’s Real Estate
“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 Abbud
- Senior Loan Officer, Better Rate Mortgage
“Recently completed another flawless transaction with Source Capital. Why would anyone want to go anywhere else? They’re the best.”
Marianne Bordogna
- Agent, Keller Williams Realty
Recently Funded Transactions
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Frequently Asked Questions about Texas Commercial Loans
What are typical fees for commercial hard money loans in Texas?
Typical fees for commercial hard money loans in Texas include direct-lender origination points starting at 2.0% of the total loan amount, without hidden junk charges. Source Capital charges zero appraisal fees or prepayment penalties, allowing real estate investors to preserve equity capital throughout the financing process.
What are the eligibility requirements for a Texas commercial hard money loan?
Eligibility relies primarily on non-owner-occupied property equity, which supports up to 65% LTV, rather than on personal debt-to-income metrics or tax documents. Borrowers satisfy approval criteria by closing under a legal business entity such as an LLC, partnership, or corporation.
How do commercial hard money loans compare to traditional bank loans in Texas?
Securing hard money commercial loans in Texas bypasses lengthier 30-day to 90-day institutional approval timelines by utilizing direct, equity-focused underwriting decisions. Unlike traditional banks, which enforce minimum credit scores.
What types of properties qualify for commercial hard money lending in Texas?
Qualifying commercial real estate assets include multi-family apartments, retail storefronts, office buildings, industrial spaces, mixed-use complexes, and warehouses. Financing applies strictly to non-owner-occupied properties held for business acquisition, equity refinance, or cash-out liquidity.
How fast can Source Capital fund a commercial hard money loan in Texas?
Source Capital provides loan decisions within 24 hours of application submission and completes full escrow funding in 10 business days or less. Direct access to private capital eliminates third-party delays, enabling rapid capital delivery for time-sensitive commercial property transactions.