Loan Ranger Capital is one of the few locally owned and operated direct hard money lenders in Texas. With boots on the ground in each metro area, we have firsthand local knowledge to help add value to your project. We’re a direct lender so you’ll always be talking to a local decision maker. Some of the advantages of borrowing from Loan Ranger Capital are:

  •  A much less complicated application process is required for the lender to make a final loan decision.
  • No credit checks! No personal financial statements, tax returns, etc. We underwrite based on the asset only.
  • Fast approval and funding. Loan Ranger Capital will review your application and provide you with a loan quote within 24 hours!
  • Because we are able to underwrite all of our loans in-house, we can fund your loan in as little as 3 days if all parties are prepared.
Property Geographic Area Details
Major metros in Texas. Areas inside and surrounding Austin, Dallas/Ft Worth, Houston, San Antonio
Loan Amounts
$50,000 to $3,000,000
Interest Rates
11.9% to 13.9%
Loan Terms
6 months to 24 months
Origination Fees
2% to 3%
Lien Position
1st
Collateral Types
  • Residential Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Value Add Project
  • Development Project
Property Occupancy
  • Vacant
  • Tenant Occupied Partial

Property Types

  • 2-4 Units Residential
  • Single Family Residence

Loan Types

  • Private Money
  • Hard Money
  • Residential Bridge
  • Residential Fix and Flip
  • Residential Rehab and Rent
  • Residential Ground-Up Construction

Max Loan-to-Purchase Price

100%

Borrower Must Have Property Under Contract

yes

Will Provide Proof of Funds Letter

yes

Will Consider Lending on Purchase from Auction

no

Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Subject Property
  • Equity in Another Investment Property
  • Equity in Primary Residence
  • Seller Financing
  • Crowdfunding
  • Family

Experience Required

no

Minimum Number of Value-Add Projects Completed by Borrower

0

Will Provide Funds for Renovation Costs

yes

Max LTC for Renovation Costs

100%

Interest Charged for Renovation Costs

Only on Funds Drawn

Typical Number of Days for Funds Draw

2

Development Experience Required

no

Minimum Number of Ground-Up Construction Projects Completed by Borrower

0

Max LTC for Ground-Up Construction Costs

100%

Interest Charged for Construction Costs

Only on Funds Drawn

Will Lend on Partially Completed Construction Projects

yes

Fees which are mandatory for all new borrower clients

  • Documents Fee
  • Renovation or Construction Funds Draw Fee

Details and Requirements

Typical Closing Time (Days)

5

Fastest Closing Time (Days)

1

Payment Structure
  • Interest Only
Pre Payment Penalty

no

Will lend to a foreign national

yes

Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

yes

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will Consider Equity Joint Venture

yes

Borrower Entity Types Considered
  • Individual(s)
  • LLC
  • Limited Partnership
  • Corporation
  • Self-Directed IRA
Documentation Required
  • Loan Application
Personal Guaranty (Recourse) Required
Always
Credit Check Required

no

Appraisal Required for Residential Property

Never

Broker Price Opinion (BPO) Accepted for Residential Property

Sometimes

Get In Touch

Loan Ranger Capital pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

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Loan Ranger Capital is different than other hard money lenders. We’re locally based and take pride in our first-hand market knowledge. Unlike many lenders, we’re a direct lender, which means we always have cash on hand and never broker/sell your loan. We take our commitment to you seriously, which is why we perform all lending operations in house. From underwriting to servicing you’ll only ever have one point of contact.

No matter if you’re looking for funding for a fix and flip, construction project, or even a bridge loan, we have financing options to help with any funding need. With a long track record of proving our speed and reliability, Loan Ranger Capital is excited to help you with your next deal.

Year Established

2015

Office Locations

2235 E 6th Street, Suite 103 , Austin, Texas 78702

Primary Capital Source
  • Own Funds
Loan Structure for Majority of Loans
  • Own Balance Sheet
Percentage of Loans Secured by Residential Property

100%

Total Number of Loans Funded to Date

750

Total Loan Volume Funded to Date

$250,000,000

Our Team

Zack Lofton

Founder & CEO

Nik Petrik

Controller

Pat Skelton

Loan Coordinator

Funded Deals

Get In Touch

Loan Ranger Capital pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates
subscribe-illustration

Create a Loan Request

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Contact This Lender

Contact Loan Ranger Capital by whichever method you choose.

If you submit a loan request or email, it will be sent to the lender, and they will reply to you directly. A copy will be saved in our database. We will not share your information unless you ask us for recommendations.

Send an email to Loan Ranger Capital