Distribution warehouse with freight loading bays, the type of property financed with commercial hard money loans in El Paso.

    Commercial Hard Money Lenders in El Paso, Texas

    CapitalAx places commercial hard money loans from $500,000 to $100 million across El Paso, Horizon City, Socorro, and the surrounding area. 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 El Paso

    El Paso's economy is tied to cross border trade with Ciudad Juarez and to Fort Bliss, one of the largest military installations in the country. Manufacturing across the border drives steady demand for warehouse and industrial space on the Texas side. Fewer national lenders focus on El Paso than on the larger Texas metros, so borrowers with good properties often turn to private capital when a local bank cannot meet the timeline.

    Common Scenarios

    • Warehouse and industrial property serving cross border trade
    • Retail centers and single tenant properties
    • Small and mid size multifamily purchases
    • Land on the east side ahead of development

    Recent Closings

    146 Key Flagged Hotel Bridge Loan

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    Property type
    Hotel Financing
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    10 Story Vacant Office to Courtyard by Marriott Conversion

    Loan amount
    $7.4M
    Property type
    Hotel Financing
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    38 Unit Multifamily Refinance in Killeen, Texas

    Loan amount
    $1.3M
    Property type
    Multifamily Financing
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    $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
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    15.7 Acre Land Bridge Loan

    Loan amount
    $9.5M
    Property type
    Land Development Financing
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    100 Unit Multifamily Bridge Loan

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

    Frequently Asked Questions

    Yes. CapitalAx works with private lenders that fund commercial property across Texas, including El Paso and the surrounding area.

    Yes. Industrial and warehouse property is one of the most common requests in El Paso. Lenders will want the current leases or the plan to lease the space.

    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.