The Proven Source For Texas Hard Money Loans

We are an equity-based hard money lender with a proven track record of success.

Google’s #1 Reviewed and Rated Hard Money Lender

Source Capital is an equity-based, Texas hard money lender committed to making your loan process fast, efficient, and reliable. We’re both State and Federally licensed and an A+ Accredited Business with the BBB. We also have a proven track record of success for reliable, direct financing. With over $250 million in loans secured, we’re proud to have earned a 5-Star rating on both Yelp and Google as a mortgage lender.

Loan Highlights

No Prepayment Penalties
No Income Requirements
No Minimum FICO Scores

Direct Lender
Fast Approval and Funding
Minimal Paperwork

Past BK, Foreclosure – OK
Foreign Nationals – OK
Self-Employed – OK

388

Loans Funded

$252,750,000.00

Total Amount Funded

Why Source Capital

Great Rates

We offer up to 70% LTV with interest rates starting at 7.99% and 1.75 lender points with no prepayment penalties.

Reputation Matters

Since 2010, we’ve proudly been an A+ Accredited Business with the Better Business Bureau.

Clients Love Us

Our clients back our reputation as an industry-leading hard money lender. Just look at our 5-star rating on Yelp and Google.

We Can Help

We help borrowers when others can’t. Poor credit, bankruptcy, foreclosure, self-employed and foreign nationals are no problem.

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Over 151+ Google Reviews and Counting

“The staff at Source Capital has helped me create new income streams. They are consistent, direct and deliver every time.”

Michael KornAgent, Keller Williams Realty

“As a lender myself, working with Source Capital shows that there are still a lot of good people in our industry, and we will definitely be in connection to do future business together. Job well done.”

Anthony TrujilloMortgage Broker, Paramount Partners

“We were very pleased with the service we received from Source Capital. Communication was clear and responsive, funding was quick, and terms were as agreed and proposed.”

Brian OverstreetPresident, Advera Health Analytics

“Recently completed another flawless transaction with Source Capital. Why would anyone want to go anywhere else? They’re the best.”

Marianne BordognaAgent, Keller Williams Realty

“The team at Source are consummate professionals who work efficiently and effectively. Simply stated- truly exemplary and professional people”

Paul ElamOwner, San Diego’s Real Estate

“Source Capital has been an absolute pleasure to work with throughout. These guys are on top of their game”

Tyler HansonAssociate Broker, Cushman & Wakefield

“In all my years, I can confidently say they are the most professional, prompt, courteous, and efficient private lender I have ever worked with!”

Greg ShieldsOwner, GSI Appraisals

“They were very responsive and extremely helpful and would certainly use them again. I highly recommend their services.”

Alvin FuchsAgent, Keller Williams Realty

“I have never dealt with a hard money lender before but I can tell you my experience with Source Capital was very positive. I highly recommend”

Courtney RothClient

“I have always had a highly professional and honest experience with everyone on their team and would recommend to anyone looking for financing.”

Andrew BellahOwner, The Bellah Group

“They are always so patient, helpful, and professional. and have helped me so much! This can be such a stressful process, but they make it all so easy.”

Lauren MarcusClient

“Smooth and fast transaction as the loan was funded in 8 days. They are a pleasure to work with – Strongly Recommended.”

Borna EftekariAgent, Farmers Insurance

“Highly recommend Source Capital Funding if you need money fast and you value efficiency. I will go back to them again if I need funding in the future. “

Kendall HeathClient

How It Works

1. Apply Online

Fill out our free online loan application. It’s quick, easy, and takes under 10 minutes to complete.

2. Get Approval

You’ll receive a written offer within 24 hours of receipt of your loan application. We’ll disclose all terms in clear, easy-to-understand language.

3. Loan Funded

While most lenders make weeks to fund you, our borrowers are funded in a matter of days. Our loans are funded through escrow and the funds are wired directly to you.

4. Pay Monthly

Make your payments via mail, phone, or direct deposit—it’s that simple.

Frequently Asked Questions

What is a hard money loan?

Whereas traditional mortgages are based on the credit-worthiness of the borrower, Texas hard money loans are based on the value of the property. Instead of focusing on financials and credit, Source Capital offers asset-based financing that focuses on equity in real estate. We offer hard money loans in Texas, which are secured by real estate equity and can be used for a number of projects lasting between one and three years.

What if I have a low credit score?

We have no minimum credit score or income requirement. Source Capital Texas hard money loans are secured by property equity, so we’re able to look beyond our borrowers’ financial circumstances. If you’ve been turned down by traditional lenders, we can help. We’ll work with you directly, ensuring you get the fairest terms and fastest funding with hard money in Texas.

What types of loans do you offer?

Source Capital offers hard money loans in Texas for both residential and commercial real estate. Our loans are intended for business purposes only, including not only investment properties, but also for uses such payroll and inventory. Our Texas hard money lending may also be used to fund bridge loans for up to 12 months. Not sure if your situation qualifies? Contact us to see if we can help.

How long does the loan process take?

Typical lenders need to pour through income statements and credit reports, but as a Texas hard money lender, we can typically approve your loan within 24 hours of receiving your application. We underwrite our loans in-house, cutting time and cost. Our team of lenders can usually fund your loan within 7 days of approval due to our direct access to capital. Our application process for Texas hard money lending is streamlined and automated, allowing for quick decision-making.

How do I apply?

Applying for our Texas hard money loans is simple. Just fill out our online application, send us an email, or give us a call. It’s easiest to talk to us directly over the phone to discuss your unique scenario, answer any questions, and approve you in a matter of minutes.

How do I know what my rate will be?

Source Capital’s Texas hard money is offered at fixed, interest-only rates, so you never need to worry over sudden spikes. Our rates start at 7.99%, but depend on a variety of factors, so contact us to see what we can offer you. We’re committed to offering the best possible terms, no matter what. Our quote is free and requires little information, so what do you have to lose?

What We Lend On

Residential

Single Family Residence

Condominium / Apartment

Duplex, Triplex, Quadraplex

Commercial

Office and Retail

Multi-Family

Storage, Hospitality, Industrial

Fix and Flip

Complete Rehab

Remodel

Buy and Hold

As Featured In

Where We Lend

Source Capital is a premier hard money lender in Texas servicing the entire Lone Star State. Whether you’re a real estate agent in Austin or an investor in the Fort Worth area, Source Capital can help finance your next business venture. We provide hard money loans in Texas to fund non-owner occupied commercial and residential real estate properties intended for business uses. Secure funds for your next San Antonio fix-and-flip property or find financing for your strip mall in Houston; with over a decade of experience, we’re equipped to help you finance even the most complex real estate transactions.

No matter where you are in the Lone Star State, count on our Texas hard money loans for fast and fair financing. We remove the middle man and underwrite our own loans in house, sparing you the time and expense of going through someone else. Whereas other lenders may take weeks or months to get your loan approved, Source Capital’s automated application process is quick and efficient, so you can conduct your business promptly and with ease. From the 73301 to the 88595 zip codes, our direct, immediate access to capital can provide you with fast funding for up to 70% of the property value. We have a proven track record of success as a top-rated hard money lender in California, Arizona, and Minnesota, and are proud to offer our industry-leading services to the citizens of Texas, as well. We’re proud of our hard-earned reputation for excellence, and happy to boast an A+ score with the Better Business Bureau in addition to a 5-Star rating on both Google and Yelp.

Don’t worry about commuting to an office in downtown Dallas and dealing with a tall stack of paperwork; you can apply for a hard money loan in Texas from the comfort of your home. Simply fill out our online application, send us an email, or give us a call to apply for Texas hard money lending. All you need is a minimal amount of information and a business goal, and we can do the rest. For the fastest processing times, we encourage you to phone us directly. It’s the easiest way to chat with you and answer any questions that may arise regarding your Texas hard money loan. If you apply online, you can expect to hear back from us within 24 hours after receiving your receipt, but if you give us a call, we can have your loan approved in a matter of minutes. After you approve our terms, Source Capital’s hard money lenders in Texas can typically distribute your funds within 7 days. Our team of private, direct lenders in Texas can help ensure you never again miss out on a real estate property because it took too long to secure the funds.

The call is free and the quote is free, so what do you have to lose? We’re committed to open conversation and will walk you through every detail of your loan. Source Capital hard money lenders in Texas secure your loan based on equity, and don’t discriminate against low credit, previous foreclosure, or a history of bankruptcy. Contact us today to see how we can help with your unique financing needs.

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A Premier Hard Money Lender

Source Capital is a premier hard money lender in California, Arizona, and Minnesota, but we specialize in direct hard money loans in Texas. With an A+ Rating from the Better Business Bureau, you can count on us to be both experienced and reliable. Our clients receive fast and fair funding to satisfy their commercial and residential real estate financing needs—just look at our 5-Star reputation on Yelp and Google. Since our founding in 2007, we’ve secured over $250 million in hard money loans to fulfill our clients’ business-related real estate needs. When you choose Source Capital, you work directly with our company partners who will make the decision on your loan application. We underwrite our loans in-house, sparing you any middle man, excessive paperwork, or administrative hurdle. We’ll process and secure your loan as quickly as possible, even if you have a history of bankruptcy, foreclosure, or poor credit. From fix-and-flip residential homes to multi-unit commercial complexes, our hard money loans can finance up to 70% of the property value.

Our positive reputation comes from our commitment to customer service. Source Capital clients know they can come to us for the fairest terms and the fastest funding thanks to our immediate, direct access to capital. We can make decisions and distribute your funds quickly, without ever cutting corners or sparing attention to detail. Take a look at our customer satisfaction and see why Source Capital goes above and beyond the industry standard of hard money lending.

Ready To Get Your Loan?

It’s fast, easy and best of all- no paperwork!

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Monday Justice

★★★★★

2 weeks ago

It was really a pleasure doing business with Source Capital Funding. I recommend this company for any of your financial needs. Sacha and his team were very professional and helpful throughout the whole process. They were on point in regards to my concerns and answered all my questions. I will sure work with them again. Thank you all at Source Capital Funding for a great service. Monday J

Hunter Campbell

Great Company! They worked non-stop on our loan and funded quickly. We were always able to get our questions answered right away and Sacha helped walk us through everything. Their rates were very competitive. I recommend highly and will be passing their information on to family and friends.

Kat Hargrove

Everyone at Source Capital was so helpful and very efficient. I was always informed of each step during the process which made the transaction smooth and fast. Sacha was so friendly and easy to work with !! I would use them again and also refer to them ! Thanks again, Kat

Sandra Goodrich

3 months ago

Sacha was knowledgeable, through and helpful. I needed to get a loan closed quickly and he made it happen. Marie was patient and competent - a great team. I have knowledge of the industry since I have been in all facets of the loan business for over 40 years myself. Sacha always responded to my calls and emails - a true testament to professionalism. He's a great guy and a great company. I highly recommend Source Capital.

Matt Mofidi

Sacha performed beautifully, and was able to fund in 1 week. He under-promised and over delivered!!! This is the way it should be with any lending company. I have dealt with many lending companies over the past 20 years, large banks, credit unions, and hard money lenders. Source Capital Funding out did them all. This is an incredible place if you need funding fast and with very reasonable terms, and you are not going to get any surprises at the end. They are highly professional and will not give you the run around. Highly recommended.