Built by investors,for investors.
Hard Capital is a Texas private lender. We exist because investors deserve a lender that moves at the speed of the market and stays with them after the closing.
We do not move paper. We move deals.
Hard Capital was started by investors who were tired of hearing no from banks that did not understand real estate. We know what it is to have a contract deadline, a renovation budget, and a lender who stops returning calls.
So we built the lender we wanted. One that makes decisions quickly, explains its terms plainly, and funds when it says it will. One that finances the purchase and the work, then helps you keep the property with long term financing that qualifies on the asset.
That is what we mean by hard money to long money. It is a single relationship that follows your deal from acquisition to permanent.
How we work.
Four commitments that shape every loan we make.
Speed with discipline
Fast does not mean careless. We move quickly because we know where the risk sits, not because we skip the underwriting.
Plain terms
What we quote is what you close with. Leverage, rate, points, and fees are on the term sheet before you commit.
Investors only
Every program we offer is for non-owner-occupied investment property. That focus is why we understand your deal.
Rooted in Texas
We lend in the markets where we invest, and we know local values, timelines, and the people who build here.
From acquisition to permanent.
Fix and flip, bridge, and new construction loans to buy and build.
DSCR and alt doc investor loans to refinance and hold.
The people who fund your first closing are the ones you call for the next.