Welcome to Sterling Investor Capital LLC, your # 1 stop to finding hard money loans in Texas. We offer commercial real estate loans to real estate investors as well as small business owners and commercial investors. We make it easy to receive a hard money loan.

As leading Texas hard money lenders, we establish fairly simple lending criteria for all our clients. The loan is based on the value of the subject property the borrower is trying to finance or refinance. If you are buying a property, the value of the property is defined by the actual price. If you need hard money for refinancing reasons, the value is then selected by a written real estate appraisal. For more information, please do not hesitate to contact us.

Our knowledgeable and specialized staff does still recommend that you wait until the property is built before applying for an appraisal or reappraisal. We are hesitant to provide loans which are more than the actual property value for purchases which are less than one month old. If you are renovating the property we thus also recommend that you wait for approximately one year to apply or until all renovations are complete. You are guaranteed to get an enhanced and improved value for your property.

Our commercial loans in Texas differentiate from the usual bank loans you receive. They are not based upon usual credit checks as we do not require you to go through income verification and provide tax returns like banks. You primarily qualify for a loan based on the value and cost of the property or real estate.

Contact us now to arrange for a consultation or if you have any questions or concerns. We’re a direct hard money lender making hard money loans in Texas and nationwide. Loan terms can be from 1 year to 7 years. All investor and property owners are able to qualify based on the value of the property.