New apartment building with landscaped grounds, the type of property financed with commercial hard money loans in Austin.

    Commercial Hard Money Lenders in Austin, Texas

    CapitalAx is based in the Austin area and places commercial hard money loans from $500,000 to $100 million across Austin, Round Rock, Cedar Park, Georgetown, Pflugerville, Leander, and Bastrop. Private lenders in our network close in as little as 7 to 21 days.

    Get terms from 350+ lenders

    A CapitalAx broker responds within one business day.

    Typical Terms

    Typical commercial hard money loan terms
    Loan size$500,000 to $100,000,000
    Loan to valueUp to 65% to 70%
    Interest rate10% to 13%
    Origination1 to 3 points
    Term6 to 24 months, interest only
    Time to close7 to 21 days
    CollateralFirst lien on commercial or investment real estate
    Underwriting focusProperty value, equity, and exit strategy

    These are typical ranges across our lender network. Your terms depend on the property, leverage, location, and exit plan.

    Hard Money Lending in Austin

    Austin added a large amount of new apartment and commercial space in recent years. Many owners now need short term capital to finish lease up or to refinance a construction loan that is coming due before the property is stabilized. Land along the growth corridors north and east of the city is another frequent request, where owners need time to complete entitlements or line up construction financing.

    Common Scenarios

    • Construction loans maturing before lease up is complete
    • Land and lot loans in the growth corridors around the city
    • Retail and flex purchases with a short closing window
    • Balloon notes the current lender will not extend

    Recent Closings

    146 Key Flagged Hotel Bridge Loan

    Loan amount
    $6.2M
    Property type
    Hotel Financing
    View case study

    10 Story Vacant Office to Courtyard by Marriott Conversion

    Loan amount
    $7.4M
    Property type
    Hotel Financing
    View case study

    38 Unit Multifamily Refinance in Killeen, Texas

    Loan amount
    $1.3M
    Property type
    Multifamily Financing
    View case study

    $6M Ground Up Multifamily Construction Loan in Dallas, Texas

    Loan amount
    $6M
    Property type
    Multifamily Financing
    View case study

    SBA 7(a) Business Acquisition: 5% Equity Injection

    Loan amount
    $1.3M
    Property type
    Mixed Use Financing
    View case study

    15.7 Acre Land Bridge Loan

    Loan amount
    $9.5M
    Property type
    Land Development Financing
    View case study

    100 Unit Multifamily Bridge Loan

    Loan amount
    $4.8M
    Property type
    Multifamily Financing
    View case study

    Frequently Asked Questions

    Yes. We arrange loans throughout Travis, Williamson, Hays, and Bastrop counties and across Texas.

    Yes. This is a common use. Lenders will want the current occupancy, the lease up pace, and the plan to refinance into permanent debt.

    See full program details, requirements, and how the process works on our commercial hard money loans page.

    Terms shown are typical ranges and are not a commitment to lend. All loans are subject to lender approval.