Private Money Lender Interest Rates in Texas

Private money lender interest rates are higher than conventional loans — that’s the tradeoff for speed, flexibility, and accessibility. At Commercial Loans of Texas, we’re transparent about private money rates and help you decide when they make sense.

Current Private Money Rates in Texas

• Hard Money / Private First Lien: 9% – 13% annually
• Fix & Flip Private Money: 10% – 13% + points
• Bridge Loans: 9% – 12%
• Second Lien Private Money: 12% – 15%

Rates vary based on LTV, property type, borrower experience, and deal strength. Call 877-895-3634 for your specific rate.

When Private Money Rates Make Sense

Higher rates are worth paying when: the deal would be lost without fast closing, profit margins on a flip exceed the financing costs, you’re bridging to cheaper permanent financing, or no other lender will fund the deal.

Get a Private Money Quote

Call 877-895-3634 and describe your deal. We’ll give you a real rate quote within hours, not days.