Hard Money Lenders in Austin
AAPL Member · Direct Lender Since 2016 · NMLS #1979189
Austin is the hottest real estate market in Texas, with explosive growth, high values, and intense competition across fix-and-flips, commercial deals, and new construction. In a market this fast, the investor who can fund quickly wins. As hard money lenders in Austin, Tidal Loans funds investors with our own capital, underwriting the property rather than your income, so you can close fast and compete in a tight market. We’re a Texas-based direct lender and we’ve financed Austin investors since 2016 — and because Texas is our home state, we offer some of our strongest terms here, including up to 100% financing on qualifying deals.
A hard money loan is short-term, asset-based financing secured by the property itself. Instead of focusing on your credit score, we focus on the property’s value and its after-repair value. For Austin investors flipping homes, repositioning commercial property, or building new, that asset-based approach is what lets us move in days instead of weeks.
Austin Hard Money & Private Money Loans
Our financing is built for Austin’s fast, high-value market. We focus on the property, not your personal income — in fact, on our hard money loans there’s no minimum credit score, because the asset carries the deal. We fund up to 100% of the purchase and rehab cost on qualifying Texas deals through our 100% CLTV structures, where a seller or second-position lender carries the remaining equity, so on the right deal you bring little more than closing costs. As one of the more active private money real estate lenders in Austin, we routinely fund borrowers a bank won’t. Our full direct-lender model is on our hard money loan hub, and our statewide program lives on our Texas hard money lending page.
Commercial Hard Money in Austin
Austin is a strong commercial market for us, and commercial hard money is an area many lenders won’t touch. We provide private commercial hard money loans for investors buying, rehabbing, or repositioning commercial and mixed-use property — fast-closing financing for deals where timing is tight or the borrower doesn’t fit conventional commercial guidelines. We fund commercial bridge and rehab loans and longer-term commercial financing, underwriting the asset rather than your personal income, which is why so many Austin investors come to us for fast-closing commercial real estate loans.
Contractor & Construction Financing in Austin
Builders and contractors are a big part of Austin’s growth, and we finance them directly. Our ground-up construction loans fund new builds through a draw schedule that releases money as the project hits milestones — up to a high percentage of cost and 100% of the hard construction cost. We can also assist with land acquisition. For contractors and developers who need fast, flexible financing that a bank construction loan can’t match, our Texas construction program is built for the job.
Where We Lend in Greater Austin
We fund deals across the Austin metro — from downtown, East Austin, and South Congress to the fast-growing suburbs of Round Rock, Cedar Park, Pflugerville, Georgetown, Leander, and San Marcos. Whether it’s a single-family flip, a commercial property, or a new build, if the deal works, we can fund it fast.
Loan Programs for Austin Investors
Most Austin investors use us for more than one product. Fix and flip loans fund the purchase and rehab — up to 100% financing in Texas — on our Texas fix and flip financing page. Rental and DSCR loans qualify on the property’s rent rather than your personal income, detailed on our Texas DSCR loan program. Bridge loans span the gap between buying and permanent financing through our Texas bridge loans. And you can pull equity from a stabilized property to fund the next deal through a cash-out refinance.
Austin Hard Money Loan Parameters
Austin Hard Money Loan Parameters
Why Austin Investors Choose Tidal Loans
Tidal Loans is a Texas-based direct lender that’s financed Austin investors since 2016. We lend our own capital, underwrite the property rather than your income, and move quickly — which is exactly what Austin’s fast, high-value market demands. We finance fix-and-flips, commercial deals, new construction, and rentals across the metro and its booming suburbs.
- No minimum credit score — the property carries the underwriting.
- Up to 100% financing (100% LTC / CLTV) on qualifying Texas deals.
- Commercial, construction, and fix-and-flip all under one roof.
- AAPL member · Direct lender since 2016 · NMLS #1979189
Frequently Asked Questions
The best Austin lender is the one that funds your specific deal fast and lends its own capital, with no middleman slowing the close. As a Texas-based direct lender, Tidal Loans underwrites the property rather than your income and moves quickly in Austin’s competitive market. We finance fix-and-flips, commercial deals, construction, and rentals across the metro, which is why so many local investors work with us repeatedly.
Yes, on qualifying deals — and Texas is our home state, where we offer some of our strongest terms. We can fund 100% of the purchase and rehab through our 100% CLTV structures, where a seller or second-position lender carries the remaining equity. On those deals, the main money you bring to closing is the closing costs, which is a real advantage in a high-value market like Austin.
Yes. Commercial hard money is one of our strengths in Austin — we provide fast-closing commercial bridge, rehab, and longer-term financing for investors buying or repositioning commercial and mixed-use property. We underwrite the asset rather than your personal income, so when a deal is time-sensitive or doesn’t fit conventional commercial guidelines, our financing is often the option that actually closes on schedule.
On our hard money loans, the property carries the underwriting, so we don’t impose a minimum credit score — we review credit, but a low score won’t automatically disqualify you. We focus on the property’s value and your investment plan. Be cautious of lenders advertising a literal “no credit check,” which is different — we do look at credit, it simply isn’t the gatekeeper.
Much faster than a bank — often within a week or two when the file is clean. Because we underwrite the property instead of your income, there’s far less paperwork, no tax returns to dig up, and no lengthy committee process. In Austin’s fast-moving market, that speed is frequently what wins the deal over a slower-funded buyer.
Yes. We finance builders and contractors directly with ground-up construction loans that fund the build through a draw schedule, releasing money as the project hits milestones, plus land acquisition help. For contractors who need faster, more flexible financing than a bank construction loan, our Texas construction program is purpose-built for it.
Ready to fund your Austin deal?
Get a fast quote from a Texas-based direct lender — or call and walk your Austin flip, commercial deal, or build through with us.