Lubbock, TX · Hard Money

Hard Money loans in Lubbock, TX

The short answer

TSG Capital arranges hard money loans in Lubbock, TX — business-purpose financing on non-owner-occupied investment property, placed through our network of lenders rather than lent directly. TSG Capital arranges hard money loans for Texas real estate investors — short-term, business-purpose financing secured by non-owner-occupied investment property. A university market with consistent tenant demand and low entry prices. Request a no-obligation term sheet to see terms for your Lubbock deal.

Hard Money financing for Lubbock investors

Anchored by Texas Tech, Lubbock offers dependable student and workforce rental demand at an affordable basis.

A hard money loan is short-term real estate financing underwritten primarily around the collateral, the project economics, and a documented repayment exit. Texas investors use it when a bank loan is too slow, the property needs work before it can qualify for permanent financing, or the transaction depends on acquisition certainty. The loan is business-purpose and secured by non-owner-occupied investment property; it is not a mortgage for a primary residence.

Hard money is a broad category rather than one single product. A lender may structure the request as a fix-and-flip loan with renovation draws, an acquisition bridge, a construction facility, or a short-term refinance. Leverage may be measured against purchase price, total project cost, as-is value, or after-repair value. That is why comparing only the headline rate can be misleading: usable proceeds, required cash, origination points, draw timing, extension fees, and the exit date all affect the actual cost of capital.

Typical terms

Ranges below are typical across our lender network for hard money loans — not a quote or a guarantee. Availability and terms vary by lender and by property location.

Leverage

Commonly measured against cost, as-is value, or ARV; exact leverage depends on the program and complete file

Term

Often 6–24 months, generally interest-only

Rate

Risk-, leverage-, and lender-dependent — reviewed as part of the complete cost structure

Points

Origination and broker charges vary by lender, structure, and transaction

Time to close

A complete, straightforward file may close in roughly 7–14 days; timing is not guaranteed

Is this structure a fit for your Lubbock deal?

Best fit	Typical exit	Lender focuses on
Fast acquisition, distressed property, or bridge need	Documented sale or permanent refinance	Collateral, project economics, experience, liquidity, exit

Who we work with in Lubbock

Texas investors purchasing distressed, off-market, auction, or time-sensitive investment property
Borrowers who need short-term capital before a sale or permanent refinance
Rehabbers whose property will not qualify for conventional financing in its current condition
Business entities financing non-owner-occupied real estate with a documented exit

What to have ready

Send a complete first-look package so the request can be matched without guessing at the property, budget, or exit.

Property address and purchase contract

Entity documents and signer identification

Requested loan amount and intended exit

Current property photos and insurance contact

Purchase contract, payoff, or documented closing deadline

Budget, value support, and a specific sale or refinance exit

Lubbock hard money loan FAQ

Do you arrange hard money loans in Lubbock, TX?+

Yes. TSG Capital arranges hard money loans on non-owner-occupied investment property in Lubbock, TX, placing your deal through our network of business-purpose lenders. Submit the property and your numbers for a no-obligation term sheet.

What is a hard money loan?+

A short-term, business-purpose loan secured by real estate and underwritten primarily on the collateral, project economics, borrower execution, and repayment exit. It is commonly used for investment-property acquisitions, renovations, bridge needs, and refinances.

Is TSG Capital a hard money lender?+

No. TSG Capital is a business-purpose loan broker and financing arranger. We organize the request and compare it with third-party hard money and investment-property lender programs. The selected lender makes the credit decision and funds an approved loan.

How fast can a Texas hard money loan close?+

A complete, straightforward file may close in roughly 7–14 days, but actual timing depends on title, insurance, valuation, entity documents, appraisal access, lender conditions, and the transaction itself.

What does a hard money lender evaluate?+

Lenders commonly review the purchase or payoff, as-is value, rehab budget, ARV or stabilized value, borrower experience, liquidity, reserves, credit, property condition, and the documented sale or refinance exit.