Fast Hard Money Financing for Commercial, Residential, and Land Development Projects

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Texas-Based Direct Hard Money Lender

SWE Lending is a trusted direct lender specializing in fast hard money loans. Based in Texas, we bring over 30 years of industry expertise to every transaction.

Our tailored loan programs are designed to meet the funding needs of commercial, residential, and land projects across Texas. With no minimum credit score required, we make financing accessible by funding all our loans in-house, offering long-term solutions with flexible interest rates to suit your unique requirements.

Long and Short Term Financing

We offer financing solutions for both short- and long-term needs, providing loans directly as a lender—not a broker. All loans are managed in-house, ensuring a seamless process without outsourcing.

Quick Decision Time

With extensive knowledge of the real estate market and expertise in originating various loan types, we deliver quick decisions to clients across Texas. Our streamlined process allows us to fund loans in as little as 7 business days. Contact us today to get started!

The SWE Difference

At SWE Lending, we take pride in originating and servicing all our loans in-house. With over 30 years of experience and ownership of more than 1,000 properties across Texas, we have a deep, firsthand understanding of the market we serve. We offer loans with no credit score requirements and provide options for ITIN borrowers, making financing accessible to a wider range of clients.

Why Choose Us?

SWE Lending has more funding capital than most competitors, allowing us to provide funds quickly and efficiently. As a direct lender, we handle everything in-house without relying on third parties. Plus, we work with all credit types to make financing accessible for everyone.

WE WORK WITH ALL CREDIT TYPES.

Types of Loans

Home Improvement Loans
Home Equity Loans
Foreclosure Rescue Loans
Fix and Flip Loans
Rehab Loans
Commercial Loans
Residential Loans
Purchase Money Loans

We Offer Loans On

Homesteads
Day Cares
Rental Properties
Auto Service Centers
Convienent Stores
Shopping Centers
Acreage Loans
Restaurants
and Much More!

Our Loans

Loan amounts under $40,000 may be subject to higher interest rates.

Commercial Property Loans

$20,000 to $5,000,000
10 - 20 years
Loan to value 30% - 60%

Residential Property Loans

$20,000 to $4,000,000
15 - 20 years
Loan to value 30% - 70%

Land Loans

$20,000 to $5,000,000
15 years
Loan to value 20% - 40%

Our Team

Our team has decades of real estate investment experience, and our affiliated entities have owned thousands of property types, including single-family, townhome, multi-family, and all types of commercial and land properties. We offer loans for properties located in Houston, San Antonio, Dallas, and throughout Texas.

We consider applications for loans from all Texas markets, first lien position only. We have a quick and easy loan application process that enables us to make quick decisions for fast funding. We have no application fees but require a small inspection fee.

Frequently Asked Questions

What are the fees that are associated with your hard money loan?

Upon issuing our commitment fee, we collect 5% of the loan amount or $2,000, whichever is greater. This fee is to set aside capital that is required to fund the loan. We collect a small inspection fee (may vary).

We also collect pre-paid hazard Insurance; escrow for property taxes, and if the property has improvements, we escrow for insurance. In most cases, we escrow homeowner association dues.

What documents are required to complete the loan process?

Mortgagee title policy
Survey (in most cases)
Executive summary
Personal guarantee by all borrowers
Earnest money contract
Small inspection fee
Commitment fee

How long does it take to fund a hard money loan?

Once we have all of the required documents to complete our due diligence, it usually takes 2 to 3 weeks to fund your loan.

Do you have any property type restrictions for your hard money loans?

Yes. We only make first-lien loans on commercial and residential properties, including single-family, townhouse, condominium, office, apartment, retail, industrial, and raw land property types.

Do you have a minimum and maximum loan amount?

Yes, the minimum loan amount is $10,000, and the maximum loan amount is $3,000,000.

No home equity loans
Up to 60% LTV for commercial loans
Up to 70% LTV for residential loans
Up to 40% LTV for raw land
First-lien only
Borrowers must demonstrate the ability to repay the loan

I am a real estate investor. Can I get a hard money loan to finance my real estate projects?

Yes! We offer two loan options for commercial, residential, and raw land properties.

What is Hard Money or Private Money lending?

Hard Money or Private Money lending is generally non-institutional private money that is primarily used for investors in real estate.

Do you limit loans by geographic area?

Yes. We only make loans on properties located in Texas. Our preferred markets are the major metropolitan areas of Houston, Dallas, and San Antonio and the surrounding counties. We consider applications for loans in other Texas markets on a case-by-case basis. We offer loans in the State of Georgia for investment 2nd homes and commercial properties.

How do I apply for a loan?

Good question! You can apply online by completing our preliminary inquiry. We will contact you within 24 hours of receiving your information.

Learn More

Testimonials

Nancy Robinson has been an amazing part of our community for many years and has been working with SWE companies since 2012. Nancy had a vision to provide housing for low-income individuals. She began purchasing homes from us in 2012 and has been renovating them to provide efficiency housing. She caters to the senior and homeless community with partnerships through Ben Taub Hospital and Lyndon B. Johnson Hospitals. She even goes as far as sponsoring individuals for 6 months while they get on their feet. SWE has made it easy for her to acquire real estate and provide the financing to continue building out her vision. She has purchased 6 properties from us and we hope to continue serving her mission for many years.

Nancy Robinson

Matasha LaQuinn is an award-winning business professional and one of Houston's top Real Estate experts. She currently has three projects with SWE Lending and really enjoys the easy communication. SWE Lending has built a professional relationship with 3 generations of real estate agents/brokers from the LaQuinn Group. We have been working with Matasha's grandmother, Jacqueline Cooper, for over 30 years, and we look forward to working together for many more.

Matasha LaQuinn

Cedric is a builder here in Houston and has worked several transactions with SWE Lending in the past two years. He truly enjoys that our process is quick and easy. He trusts our company and loves our ability to make quick decisions. We look forward to the next one!