Retail shopping center with parking, the type of property financed with commercial hard money loans in Lubbock.

    Commercial Hard Money Lenders in Lubbock, Texas

    CapitalAx places commercial hard money loans from $500,000 to $100 million across Lubbock, Wolfforth, and the South Plains. 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 Lubbock

    Lubbock is the commercial, medical, and education center for West Texas. Texas Tech University and the city's hospital systems support steady demand for student housing, apartments, and medical office space, and agriculture drives demand for industrial and storage property across the region. Few national lenders focus on Lubbock, so borrowers with good properties often need private capital when a local bank cannot meet the timeline.

    Common Scenarios

    • Student housing and multifamily near the university
    • Medical office purchases and renovations
    • Retail centers
    • Agricultural and industrial property

    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. CapitalAx works with private lenders that fund commercial property across Texas, including Lubbock and the South Plains.

    Yes. Lenders will want occupancy history, the lease cycle, and the plan to 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.