For Real Estate
Private Money
Lender
Competitive Loan Rates!
- 12.99% Loan Rate
- Minimum Loan $75k
- 99% Of Our Loans Get Funded At Closing
Why Choose Larry The Lender?
Family Owned
Larry The Lender is a family-owned business spearheaded by cousins Larry and Mike. With over 50 years of combined experience in hard money lending, we’ve built a strong reputation as a direct and private hard money lender.
Fast Closings
Direct Lender
In-House Approval Process
Realistic Valuations
Terms Don’t Change
What our Customers Say
About Our Loan Practices
Many consider Larry the Lender to be the top hard money commercial real estate loan provider in Texas. That’s because our loans are highly accessible — you don’t have to go through the long, arduous process of applying for a traditional loan with the bank or credit union.
Instead of forcing you to fill out mountains of paperwork while we analyze your credit history, our team will assess the value of your property and use it as collateral. We handle all approvals in house and use our own money to finance the loans, which moves the process along seamlessly.
As trusted, top hard money lenders for commercial real estate lenders in Texas, we also provide loans that feature:
- Competitive interest rates when compared to similar products
- No surprise or hidden fees
- Transparent lending practices
- Minimal fees
- No surprise or hidden fees
See why so many consider our loans to be the top hard money commercial real estate investment in texas. Contact us for a free, no-obligation consultation.
Use almost none of your money
Larry the lender will provide loans
Your Direct Hard Money Lender
At Larry the Lender, we work with different types of real estate investors, helping each of them to achieve their individual goals by meeting their financing needs.
In the competitive world of real estate, not every investor has immediate access to enough capital to take advantage of the amazing real estate opportunities you find. That’s where Larry the Lender steps in. As one of the best hard money lenders, we offer solutions that let you access the capital to make those opportunities happen. We specialize in:
- Residential Fix and Flip Loans
- Commercial Property Acquisition Loans
- Cash-Out Loans for Income Producing Rental Properties
- Cash-Out Loans for Commercial Properties
- Refinance of Existing Investment Loans
- Cross Collateralization of Investment Properties for Purchase or Cash-Out Purposes
Commercial Hard Money Loans
As a top-notch commercial hard money lender, Larry The Lender provides clear-cut loan solutions with our own funds. Ranging from $75,000 to $5 million, we cater to various commercial real estate investments, primarily serving the Houston and Austin Metro areas. You’re only one click away from the easiest closing experience you’ll ever have.
Residential Hard Money Loans
In search of a residential hard money loan? You’re in the right place! At Larry The Lender, we’ve spent over 50 years perfecting our lending approach, offering simple and quick solutions. We establish our own values and do our own comps, ensuring a smooth process for your dream investment property or refinance. Don’t wait, apply today.
Hard Money Loans in Houston And Austin, TX
Larry the Lender is a short-term, hard money loan (or bridge loan) provider, serving Houston, Austin, and surrounding areas. We specialize in asset-based lending, particularly to real estate investors who purchase properties to fix and sell, or acquire for long term rental income. We also do refinance and cash-out transactions on your existing investment properties. We are able to close loans quickly and easily, often within a day or two of approval. The private money lending process is fast and easy because we make all loan decisions in-house.
So if you need a hard money lender for real estate, call Larry the Lender today!
Call Now To Speak With A Hard Money Lender 713-662-9000
You won’t find a better commercial and residential hard money lender in Houston or Austin, Tx!
No Upfront or Hidden Fees
No Prepayment Penalties
No Surprise Costs
Loan Overview
| Loan Programs Type | Commercial Loans | Residential Loans | Land / Lots Loans | Fix / Flip Loans |
|---|---|---|---|---|
| Do We Offer Them? | Yes | Yes | Yes | Yes |
| LTV | 70-80% | 70-80% | 0-50% | 70-80% |
| Minimum Loan Amount | $75,000 | $75,000 | $75,000 | $75,000 |
| Maximum Loan Amount | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Loan Term Offered | 6 or 12 months | 6 or 12 months | 6 or 12 months | 6 or 12 months |
| Interest Rate Offered | 12.99% | 12.99% | 12.99% | 12.99% |
| Points Charged | 2 or 3 based on term | 2 or 3 based on term | 2 or 3 based on term | 2 or 3 based on term |
| Pre-payment Penalty | No | No | No | No |
| Insurance Requirements | Property, Windstorm | Property, Windstorm | N/A | Property, Windstorm |
| Flood Insurance Requirements | For Floodzone Properties | For Floodzone Properties | N/A | For Floodzone Properties |
| Lending Area | Texas Only | Texas Only | Texas Only | Texas Only |
| Special Requirements | Phase 1 - Loans > $1 million | N/A | Possible Survey | N/A |
Bridge Loans
A bridge loan is a short-term financing solution that helps individuals or companies secure funds until they obtain permanent financing or fulfill an existing obligation. This type of loan is often used to bridge the gap when purchasing a new property before selling an existing one.
With a bridge loan, you can leverage the equity from a current commercial or investment property to make an offer on a new property, without feeling rushed to sell. You can also use a bridge loan to take advantage of a purchase opportunity, while working to secure long term financing.
It is a flexible solution that can meet immediate cash flow needs, particularly in real estate transactions where buyers may lack sufficient funds to finance the purchase outright.
Commercial Hard Money Loans
Commercial hard money loans are a type of asset-based loan financing through which a borrower receives funds secured by the value of a parcel of real estate. These loans are typically issued by private investors or companies.
Unlike traditional lenders, hard money lenders focus more on the collateral for the loan rather than the borrower’s ability to repay based on their income or credit history. This type of loan is ideal for businesses looking for quick financing to seize an opportunity or overcome a short-term financial hurdle.
Residential Hard Money Loans
Residential hard money loans, similar to their commercial counterparts, are short-term, high-interest loans that are typically used for real estate investments. The loan is secured by the property in question and is often used by investors who plan to buy, fix up, and sell a property.
Residential hard money loans provide fast access to capital, bypassing the lengthy approval process and strict requirements of conventional lenders.
Asset Based Lending
Asset-based lending refers to a loan given to a company based on the value of its assets. These assets could include accounts receivable, inventory, equipment, or other property owned by the company.
Asset-based loans are often used by businesses needing working capital, refinancing, debt consolidation, or financing for mergers and acquisitions.
Commercial Property Loans
Commercial property loans are used to purchase or refinance commercial property. These loans are typically secured by liens on commercial, rather than residential, property.
Commercial property loans can be used for various types of commercial properties, including office buildings, shopping centers, industrial warehouses, or apartment complexes.
Larry The Lender Hard Money Loans Faq
Who are Larry and Mike, the faces behind Larry The Lender, the hard money lender?
What makes Larry The Lender stand out among other hard money lenders?
What types of hard money loans does Larry The Lender offer?
Who can apply for hard money loans at Larry The Lender?
How quickly does Larry The Lender, the hard money lender, close a loan?
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@larrythelendertx
I`ll fly anywhere my #cirrusaircraft can take me to close loans in the state of Texas. #realestateinvesting #hardmoneylender #hardmoney #texas #houston #austin
I`ll fly anywhere my #cirrusaircraft can take me to close loans in the state of Texas. #realestateinvesting #hardmoneylender #hardmoney #texas #houston #austin
About the Larry The Lender team ❤️
#realestate #texasrealestate #hardmoney #hardmoneylender #investmentproperty #fixandflip
About the Larry The Lender team ❤️
#realestate #texasrealestate #hardmoney #hardmoneylender #investmentproperty #fixandflip
Larry The Lender can help you with all of your real estate investment funding needs. Thanks to the wonderful @jsumberaphotography for the photos! #realestate #texas #houston #texasrealestate #realestateinvesting
Larry The Lender can help you with all of your real estate investment funding needs. Thanks to the wonderful @jsumberaphotography for the photos! #realestate #texas #houston #texasrealestate #realestateinvesting
Special thanks to @jsumberaphotography for taking our wonderful new office photos! They captured is great! #officelife #realestateinvestment #hardmoney #hardmoneylender
Special thanks to @jsumberaphotography for taking our wonderful new office photos! They captured is great! #officelife #realestateinvestment #hardmoney #hardmoneylender
Office photo 📸 🐕 💰
#hardmoneylender #texas #realestateinvesting
Working hard or hardly working? #officedog #realestateinvesting #texas
Same artist, 15 years later! Swipe--> 💸 😊
Drawn by @colors.makemehappy
#Houston #realestate #fixandflip #hardmoney
Same artist, 15 years later! Swipe--> 💸 😊
Drawn by @colors.makemehappy
#Houston #realestate #fixandflip #hardmoney
One week after hiring a millennial. 🙃 #plantlife #officelife #work