We lend on all types of real estate



Vacant Land

Who We Are

No Credit Checks

Equity-Based Valuation

Expedited Service

Custom Loan Terms

ValCap Financial is a self-funded direct lender for Texas hard money bridge loans secured by commercial and investment real estate. In layman’s terms, we provide cash for you or your business when borrowing from the bank is not an option. Being a direct lender allows us the flexibility to value the property without the necessity for an appraisal and/or other typical bank requirements. So we evaluate the strength of a property, as opposed to the borrower, and govern our loan accordingly.

Our commitment to fast turnaround times allows us to satisfy even the most motivated clients. We have very quick response times and most conditional loan approvals are issued the same day as the loan submission. We often can fund as quickly as 48 hours after receipt of a clean title commitment. Most importantly, all loans are self funded, serviced, and held by ValCap. In all, we credit our success to lightning speed service, business savvy, hands-on style, and disciplined loan-to-value ratios.

Lending Guidelines

First Mortgages Only

Up to 60% LTV

A mortgagee’s title policy and property insurance is required

Recently Closed in 2017


Austin, TX


Dallas, TX


San Antonio, TX


1 How quick can we close your loan?

Loan closing within 48 hours of clear title.

2 What is the limit for the loan amount?

$50,000 to $5,000,000.

3 What sort of rates can be expected?

Our mortgage rates begin at 11.9%.

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