Actively Funding Texas Deals

Private Capital.
Built for Texas Real Estate.

Close in as few as 3 business days. $75K–$1M. No income verification. No credit score requirements. No early payoff penalties. Just property-backed lending, done right.

Apply for Funding → 📞 (512) 962-4843

Current Terms

Loan Range$75,000 – $1,000,000
Closing Speed3 – 5 Business Days
Interest Rate12.75% APR
Origination2.5% of Loan
Standard Term12 Months
Extended TermsUp to 24 Months
Prepayment PenaltyNone
Est. Closing Costs$2,000 – $3,000
3-5
Days to Close
$1M
Max Loan Amount
0
Prepayment Penalties
100%
Construction Financing
Austin
Based & Operated
Loan Products
Financing Designed for Speed
Three products for Texas real estate. Property secures the deal — not your credit score.
Lowest Cash to Close
💵

Cash-Out / Bridge

Fast short-term financing secured against existing property equity. No improvements required.
  • Residential LTVUp to 70%
  • Land / CommercialUp to 55%
  • Cash to CloseAppraisal only
  • Ideal ForBridge loans, quick capital
Most Popular
🔨

Fix & Flip

Purchase and improve existing residential property for resale. We fund both acquisition and rehab.
  • LT-ARVUp to 75%
  • LTCUp to 95%
  • Draw FundingNext business day
  • Add'l CollateralAccepted
  • Ideal ForHouse flippers
Fast & Flexible
🏗️

New Construction / Extension

Lot purchase + vertical build, or land + horizontal development. Full project lifecycle financing.
  • LT-ARVUp to 75%
  • LTCUp to 95%
  • Draw FundingNext business day
  • Ideal ForBuilders, developers
Why Texas Capital Group
The Advantage of Private Lending
We're real estate investors ourselves. We understand your deals because we've done them.
⚡

Close in 3–5 Days

When a deal is on the line, speed wins. We close faster than any bank or institutional lender in Texas.

📊

Property-Based Decisions

No income verification. No DTI ratio. No FICO gatekeeping. The collateral speaks for itself.

🔓

No Prepayment Penalty

Flip fast? Refinance early? You'll never be penalized for closing a deal ahead of schedule.

📍

Local Market Knowledge

Austin-based. Texas-focused. We know the markets, permits, neighborhoods, and comps firsthand.

💼

Flexible Structuring

12 months standard, up to 24. Closing costs rolled in. Additional collateral considered. We work your deal.

🤝

Direct Decision-Making

No committee approvals. No weeks of underwriting. One lender, one decision maker, one fast answer.

How It Works
From Application to Funding
1

Apply

Submit your deal details. We review the property, plan, and exit strategy.

2

Approve

Property-based approval. No income docs, no credit checks on standard loans.

3

Close

Title, docs, and funding — as fast as 3 business days on qualifying loans.

4

Build

Execute your project. Rehab draws funded next business day after submission.

FAQ
Frequently Asked Questions
How quickly can you close?
3–5 business days for most loans with lower LTVs that don't require appraisal, provided borrower documentation is ready.
What are the current interest rates?
Our standard rate is 12.75% APR. Non-standard loans may carry different rates.
What fees should I expect?
2.5% origination fee plus closing costs (typically $2,000–$3,000). All fees can be rolled into the loan amount. The only potential upfront cost is appraisal if required.
What is the loan range?
We fund loans from $75,000 to $1,000,000.
What terms are available?
12 months standard with no early payoff penalty. Extended terms up to 24 months available for qualifying projects.
What collateral is required?
Title to non-homestead real property in Texas. For rehab and construction loans, documentation of your development plan and exit strategy is required. Homestead properties do not qualify.
What is hard money lending?
Hard money loans are short-term, property-secured loans from private lenders. Approvals are based on collateral value — not borrower income, credit, or DTI. They're ideal for investors and developers who need speed and certainty of close.
Education
Understanding Hard Money

How It Works

Hard money loans are secured by real estate collateral and funded by private investors, not banks. Approvals are based on property value — not your personal financial profile. This allows faster closings and access to capital that traditional lenders can't provide.

Why the Higher Rate?

Private loans carry higher rates because they accept higher risk and operate with less regulatory overhead. The trade-off: speed, certainty, and flexibility that institutional lenders simply cannot match. For deals where timing matters, the math works.

Who Uses Hard Money?

Experienced flippers, first-time investors, land developers, and builders. Anyone who needs fast capital for a deal that doesn't fit the traditional bank timeline or criteria. If the property and plan are solid, we fund it.

Choosing a Lender

Private lending has fewer regulations — choose carefully. At Texas Capital Group, we're transparent about every term, every fee, and every condition. No hidden costs, no surprises at closing. Ask us anything before you sign.

Ready to Fund
Your Next Deal?

Whether it's your first flip or your fiftieth — we close fast, keep it simple, and let the property do the talking.

(512) 962-4843
📍 5900 Balcones Dr, Suite 100 · Austin, TX ✉️ [email protected]