Hard money loans in Texas

BuildUp Capital makes asset-secured hard money loans across Texas: first-position, business-purpose loans of $100K–$10M for 6–18 months, up to 80% LTV on commercial or non-homestead residential property, from DFW and Houston to Austin and San Antonio.

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Hard money loan terms in Texas

Loan size
$100K–$10M
Term
6–18 months
Position
First position (a second position is the rare exception)
Max LTV
Up to 80%, residential or commercial
Rates
Rates as low as 11% for prime-market, low-LTV loans; most first-position loans start around 12%.
Payments
Monthly, interest-only; prepayment allowed
Speed
Term sheet typically within 5 business days; close typically around 10 days once diligence is in
Purpose
Business purpose only — not consumer mortgages

Final pricing depends on the property, the market and the exit; fees are stated in the term sheet before you pay for diligence. Documents we ask for

The Texas market for hard money

Texas is our largest footprint by city count. The Census Bureau estimates the state grew from about 29.1 million people in April 2020 to about 31.3 million in July 2024, and the three metro regions we cover most — Dallas–Fort Worth, Houston, and Austin–San Antonio — account for roughly two-thirds of that population.

Texas hard money is shaped by two things that matter on every deal: a fast, non-judicial foreclosure process, and a constitution that protects homesteads far more strictly than most states. The first keeps lenders willing to move quickly; the second means the collateral is almost always commercial or investment property.

Texas population: 29.15 million (April 2020 base) to 31.29 million (July 2024), +7.3%. (U.S. Census Bureau, Vintage 2024 estimates)

Collateral we lend against in Texas

  • Commercial, industrial and owner-user property of every kind — the core of Texas business-purpose lending.
  • Investment residential (non-homestead) and small multifamily held by an LLC, including fix-and-flip and rental portfolios.
  • Not a homestead. The Texas Constitution only allows specific lien types on a homestead, and a business-purpose loan is not one of them, so we look to non-homestead real estate. (Tex. Const. art. XVI, §50)
  • Several properties pledged together when one does not cover the loan — common for Texas operators who own their yards, shops and rentals separately.

How Texas deals typically use hard money

Acquisition on a seller’s deadline

A DFW buyer is acquiring a business that owns its warehouse. We fund the real-estate-secured portion on the closing date; the buyer refinances into SBA or bank debt after the transition.

Cash-out for a Houston operator

A Gulf Coast industrial-services company owns its yard outright. A first-position cash-out loan funds equipment for a new contract while the bank works through its own timeline.

Value-add bridge in Austin–San Antonio

An investor buys a dated strip center with vacancy. A 12–18-month bridge funds the purchase and improvements; the exit is a bank loan on the stabilized rent roll.

Illustrative structures, not specific client transactions.

Texas trust deeds, foreclosure and title — the basics

  • Most Texas loans are secured by a deed of trust with a power of sale. Sales are held on the first Tuesday of the month between 10 a.m. and 4 p.m., after at least 21 days’ notice. (Tex. Prop. Code §51.002)
  • If the property is used as the debtor’s residence, the lender must first give at least 20 days to cure before accelerating. (Tex. Prop. Code §51.002)
  • The Texas homestead rules (Tex. Const. art. XVI, §50) limit liens on a homestead to listed types; business-purpose loans are not on the list. (Tex. Const. art. XVI, §50)
  • Texas title insurance premiums are set by the Commissioner of Insurance rather than negotiated, so the title policy line in your closing statement is a promulgated rate. (Tex. Ins. Code §2703.151)
  • Closings run through a Texas title company. Because homestead status is decisive, we confirm it early — a property with a homestead exemption on the tax roll needs an explanation before we can go further.

General information, current as of October 2026 — not legal advice. Statutes change; confirm with Texas counsel or your title company.

Regions

Texas hard money by metro region

Dallas–Fort Worth11 counties, 8.34 million people (2024): Dallas, Tarrant, Collin, Denton, Ellis, Hunt, Kaufman, Rockwall, Johnson, Parker, Wise.Dallas–Fort Worth hard moneyGreater Houston9 counties, 7.77 million people (2024): Harris, Fort Bend, Montgomery, Brazoria, Galveston, Liberty, Waller, Chambers, Austin.Greater Houston hard moneyAustin–San Antonio13 counties, 5.31 million people (2024): Travis, Williamson, Hays, Bastrop, Caldwell, Bexar, Comal, Guadalupe, Medina, Kendall, Wilson, Atascosa, Bandera.Austin–San Antonio hard money

Cities

Largest Texas cities we lend in

Population: Census Bureau July 2024 estimates. All 140 Texas cities

Common questions

Hard money in Texas — what people ask

Are you a Texas hard money lender?
Yes. We are an asset-secured hard money and bridge lender making first-position, business-purpose loans of $100K–$10M across Texas, up to 80% LTV, for 6–18 months.
Can I use my Texas homestead for a hard money business loan?
Generally no. The Texas Constitution (art. XVI, §50) only permits specific kinds of liens on a homestead, and a business-purpose loan is not one of them. We lend against non-homestead commercial and investment property.
How does foreclosure work in Texas?
Most Texas deeds of trust allow a non-judicial sale, held on the first Tuesday of the month after at least 21 days’ notice (Tex. Prop. Code §51.002). We tell you this up front because we structure loans around the exit, not around a sale.
Which Texas markets do you cover?
All of Texas, with most activity in Dallas–Fort Worth, Houston, and the Austin–San Antonio corridor. See the regional pages for the counties and cities in each.

All hard money states · Where we lend in Texas · Rates & terms