Private Business Lenders Near Me — Texas Direct Lender Since 1998
Searching for a private lender near you in Texas? You found one — and we’re not a broker.
We lend our own capital directly. No middlemen. No tax returns on most programs. All credit welcome.
Hard money, DSCR, stated income, bridge, construction — all 254 Texas counties. Same-day LOI.
What Makes a Private Lender Different From a Bank
Private lenders like us underwrite to different criteria, move faster, and approve borrowers banks decline. Here’s the real difference.
Direct Capital — No Broker
We lend our own money. When we say yes, the deal closes. No committee, no third-party approval, no surprise declines after you’ve been pre-approved.
No Tax Returns on Most Programs
Hard money and stated income programs need no personal income docs. DSCR qualifies on the property’s income. We look at what you own, not what you earned.
All Credit Welcome
No credit minimum on hard money programs. Bad credit, past bankruptcy, foreclosure — the deal and the equity are what matter.
Same-Day LOI
We issue a letter of intent the same day. No 90-day underwriting process. If your deal qualifies, you’ll know today.
Beat the Bank on Rate & Term
Not all private loans are expensive. Our DSCR permanent programs offer rates competitive with banks AND 30-year fully amortized terms — no balloon.
Foreign Nationals Welcome
No US credit history required. International investors and non-US citizens qualify on asset-based programs statewide.
Common Questions
What borrowers ask when looking for private lenders near them.
Searching for private business lenders near me in Texas?
Yes — we’re a Texas direct private lender in all 254 counties since 1998. Not a broker — we lend our own capital. No tax returns on most programs, bad credit OK, foreign nationals welcome. Same-day LOI, no upfront fees. Houston, Dallas, San Antonio, Austin, Fort Worth, and every Texas market.
What’s the difference between a private lender and a bank?
A bank uses rigid underwriting criteria — credit score thresholds, income ratios, tax return requirements, and committee approval. Private lenders underwrite to different criteria — primarily the asset value and equity. We can approve borrowers and deals that banks automatically decline, and we can do it in days rather than months.
Are private lenders more expensive than banks?
Hard money bridge loans carry higher rates because they’re short-term with no income requirements. But our DSCR permanent programs offer rates competitive with or below banks, with 30-year fully amortized terms and no balloon. The right program for your situation may be cheaper than a bank — call us and we’ll run the numbers.
Do you lend to businesses or only real estate investors?
Our loans are secured by commercial real estate. If your business owns commercial property or you’re purchasing commercial real estate for your business, we can help. We don’t do unsecured business loans or SBA programs — only real-estate-secured commercial lending.
Talk to a Private Lender Near You Today
Same-day LOI. No upfront fees. No tax returns on most programs.
Direct lender in all 254 Texas counties since 1998.