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

    Commercial Hard Money Lenders in Houston, Texas

    CapitalAx places commercial hard money loans from $500,000 to $100 million across Houston, Katy, Sugar Land, The Woodlands, Pasadena, 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 Houston

    Houston is one of the largest commercial property markets in the country, with a deep base of industrial, retail, and multifamily property tied to the port, energy, and medical sectors. The city has no conventional zoning, which gives owners flexibility to change a property's use and creates frequent repositioning projects that need short term capital before permanent financing fits.

    Common Scenarios

    • Older multifamily properties needing renovation
    • Industrial and warehouse purchases near the port and major freight routes
    • Retail centers being re tenanted
    • Properties changing use that do not yet qualify for bank debt

    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

    We arrange loans across Harris, Fort Bend, and Montgomery counties and the wider Houston region.

    Yes. Lenders will want the renovation budget, current occupancy, and the plan to stabilize and refinance or sell.

    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.