Texas Hard Money Commercial Loan — No Credit Check. Fast Close.
Asset-based approval on commercial real estate throughout Texas.
No credit minimum, no tax returns, no income verification. We lend on the property and your equity.
Bad credit OK. Foreign nationals welcome. Same-day LOI. Direct lender since 1998.
What Is a Texas Hard Money Commercial Loan?
A hard money loan is secured by the commercial property itself — not by your income, your credit score, or your tax returns. If the property has value and you have equity, you qualify. That’s the entire approval model.
No Credit Check Required
We don’t have a minimum FICO requirement. Bad credit, no credit history, past bankruptcy or foreclosure — we look at the asset, not the credit profile.
No Tax Returns or Income Docs
No W-2s, no 2 years of returns, no income verification. The property value and your equity are the approval criteria.
Same-Day LOI
Tell us about your property and we issue a letter of intent the same day. No weeks of committee meetings before you know where you stand.
Foreign Nationals Welcome
Non-US citizens and international investors. No US credit history required. Asset-based approval for any Texas commercial property.
No Upfront Fees
No application fee. No processing fee before closing. Nothing out of pocket to get your LOI or start the process.
All Property Types
Multifamily, retail, office, industrial, land, mixed-use. If it’s commercial real estate in Texas with equity, call us.
Who Hard Money Is Built For
If any of these describe your situation, call us — hard money may be your fastest path to closing.
Bad credit, no credit, or past bankruptcy — declined by every conventional lender
Time-sensitive deal — acquisition or acquisition + renovation that can’t wait
Self-employed with income that can’t be documented the way a bank requires
Foreign national with no US credit history buying Texas commercial real estate
Property type or deal structure a bank won’t touch — raw land, distressed asset, complex deal
Balloon payment due and permanent financing isn’t ready — bridge to perm
Common Questions
What Texas hard money borrowers ask before calling.
Searching for a Texas hard money commercial loan near me?
Yes — we’ve been closing Texas hard money commercial loans statewide since 1998. All 254 counties. No credit check, no tax returns, bad credit OK, foreign nationals welcome. Same-day LOI, no upfront fees. Call us with your property details and we’ll tell you if it qualifies today.
What LTV do you lend to on hard money?
Typically up to 65–70% LTV on most commercial property types. Raw land up to 50% LTV. The exact LTV depends on the property type, condition, and location. Call us and we’ll run your numbers for free.
How is hard money different from a regular commercial loan?
A regular commercial loan (bank, CMBS, DSCR) looks primarily at your income, credit, and tax returns. A hard money loan looks primarily at the property value and your equity. Hard money is faster, more flexible, and approves deals conventional lenders decline — but typically carries higher rates because it’s short-term and income-independent.
What are the typical terms?
6–24 month terms are most common on bridge/hard money programs. Interest-only payments during the term. We also have some longer-term hard money programs. Call us — we’ll structure what fits your exit strategy.
Get Your Hard Money LOI Today
Tell us about your property — same-day letter of intent, no upfront fees.
No credit check. No tax returns. All Texas counties.