South Central · First lien · Business-purpose
Hard Money loans in Texas (TX).
First-position, business-purpose commercial real estate hard money loans in Texas (TX). Minimum loan $500K; $1M–$5M is the sweet spot, with larger loans considered.
Stokley Capital reviews hard money loan requests across Texas (TX) - including Dallas, Fort Worth, Houston, Austin, San Antonio, El Paso, McAllen and Lubbock - for multifamily, industrial, retail, office, mixed-use, hotel, self-storage and manufactured-housing assets. Asset-based underwriting focuses on the property's value and the borrower's equity, not credit score. Every loan is subject to underwriting, due diligence and approval.
Market context
Texas commercial real estate.
Texas has one of the largest and most diverse state economies in the country, spanning energy, technology, healthcare, aerospace, and international trade. Its major metros function as independent economic centers with distinct industry bases, supported by extensive port, rail and highway infrastructure.
Major markets include Dallas, Fort Worth, Houston, Austin, San Antonio, El Paso, McAllen, Lubbock.
Asset-based underwriting
Property value and borrower equity.
Hard money lenders evaluate the collateral and the plan for repayment. For requests in Texas, Stokley Capital focuses on the property's value and the borrower's equity, not credit score.
- Property value and borrower's equity
- Current debt and first-lien position
- Business plan, deadline and repayment path
By property type
Texas hard money loans by asset class.
Local markets
Texas city lending pages.
Questions
Texas hard money loans, answered.
- Does Stokley Capital provide hard money loans in Texas?
- Yes. Stokley Capital provides first-position, business-purpose commercial real estate loans in Texas (TX). Requests can come from Dallas, Fort Worth, Houston, Austin, San Antonio, El Paso, McAllen, Lubbock and other Texas markets. Every request is subject to underwriting.
- What size Texas loans do you consider?
- The minimum loan is $500K. $1M–$5M is the sweet spot; larger loans are considered. Every deal has specific terms and is subject to underwriting.
- How does a hard money lender review a property in Texas?
- Stokley Capital uses asset-based underwriting: the property's value and the borrower's equity, not credit score. Send the property, existing debt, requested amount, business plan and deadline for review.
- Are these consumer loans in Texas?
- No. These are first-position, business-purpose loans secured by commercial or multifamily real estate, not consumer loans or loans on owner-occupied 1–4 family residences. Stokley Capital lends in most US states, subject to state requirements.
Nothing on this website is an offer to lend or a commitment of capital. All loans are subject to underwriting, due diligence, documentation and approval. Published lending guidelines are for general guidance only. Every deal goes through underwriting and has specific terms.
Stokley Capital provides business-purpose loans only, made to entities and secured by non-owner-occupied commercial or multifamily (5+ unit) real estate. We do not make consumer loans or loans secured by owner-occupied 1–4 family residences. Loans are not available in every state; where state law requires a license, loans may be made or arranged through an appropriately licensed affiliate or third party, or may not be offered.
Next step
Have a property in Texas to finance?
Send the property, the amount and the deadline. A principal will respond directly.