San Antonio & Corpus Christi, Texas

The deal is the credit. Get funded in days.

Averlend is a direct hard money lender in San Antonio and Corpus Christi. Real estate, equipment, and business loans up to 90% of value on 12 month terms. You bring the collateral and the exit. We bring the capital and a straight answer, fast.

Get Your Deal Analyzed See the Math First

Lending at a glance

Max loan-to-value
90%
Standard term
12mo
Collateral types
3classes
Typical close
Daysnot weeks
90%
Up to, of value
12 mo
Straight terms
Days
To funded, not weeks
2
Texas home markets

What we fund

One lender for every asset you can pledge.

If it has value and it can be secured, it can be funded. Pick the collateral, bring the exit, and we structure the capital around it.

Real Estate Loans

Fix and flip, bridge, rental, new construction, commercial, and land. Texas investors use our capital to close like cash buyers and out-compete the people still waiting on a bank.

Explore real estate financing

Equipment Loans

Excavators, trucks, trailers, machinery, and heavy equipment. Borrow against the iron you own or the iron you are buying, and put it to work this month instead of next quarter.

Explore equipment financing

Business Loans

Collateralized working capital for operators. Real estate, equipment, inventory, or receivables secure the line when banks say no and the opportunity will not wait.

Explore business financing

Not sure which one fits? Send the deal. We will tell you in one call.

Send Us the Deal

Steal our math

How a hard money deal actually works.

Most lenders hide the math. We teach it, because educated borrowers bring better deals. Here is a real-world shape of a San Antonio fix and flip.

The three numbers we look at

  • Cost basis against value. Purchase plus rehab against the after-repair value. In the example deal that is $245,000 of cost against a $330,000 ARV, about 74%. Room like that is what makes a deal fundable.
  • Your skin in the game. We lend up to 90% of the deal. Your cash in, even a modest slice, aligns everyone and gets you better pricing.
  • The exit. Sale, refinance, or seasoned cash flow. A 12 month note needs a door out. If the exit is real, the loan is easy.
Run Your Numbers With Us

Example: SA fix and flip

Purchase price
$200K
Rehab budget
$45K
Total cost
$245K
After-repair value
$330K
Averlend funds up to
90% of the deal

Illustration only. Every deal is priced on its own collateral, numbers, and exit.

Underwriting, decoded

What makes a deal fundable.

No mystery, no black box. Four things decide every approval we issue. Bring all four and you are most of the way to a wire.

Real collateral

Property, equipment, or business assets we can value, secure, and verify. The asset is the application.

Honest numbers

Purchase, rehab, value, and loan amount that hold up when we check them. Pad the ARV and we both lose time.

A defined exit

Sale, refinance, or cash flow that retires the note inside 12 months. The exit is the loan.

A real timeline

Closing dates, draw schedules, and a plan you can execute. Speed only helps if you can use it.

Get a Same-Day Read on Your Deal

The Averlend Way

A direct lender, not a broker chasing a referral fee.

The Averlend Way is simple. We control our own capital, our own underwriting, and our own timeline. That means real answers fast and a close that does not stall in committee.

  • Asset-first underwriting. The collateral and the deal drive approval, not your tax returns.
  • Local market knowledge. We know Bexar and Nueces County values block by block.
  • Straight terms. Clear 12 month structures with a defined exit and no surprises.
  • Speed that wins deals. Days to close, so you stop losing properties to faster money.

The Averlend Close

From application to wire, the Averlend way.

Submit your scenario

Tell us the collateral, the amount you need, and how the loan gets repaid. A few minutes is all it takes.

Collateral review

We evaluate the asset, confirm value and lien position, and size the loan up to 90% of value.

Terms and documents

You receive clear 12 month terms. We prepare the note, security instruments, and closing package.

Close and fund

Sign, perfect the lien, and we wire the capital. You move on the deal while others wait on a bank.

Start the Averlend Close

Two Texas markets, owned

Hyper-local capital for San Antonio and Corpus Christi.

National lenders see a zip code. We see the block, the comps, and the contractor you are about to hire. That is the difference between an algorithm and an answer.

San Antonio Hard Money

Bexar County, underwritten block by block. Alamo Heights, Monte Vista, the 09 corridor, Southtown, Stone Oak, Converse, Universal City, and the growth corridors investors are actually buying in. If you are flipping, bridging, or building in San Antonio, you are in our backyard.

San Antonio lending

Corpus Christi Hard Money

Nueces County and the Coastal Bend. Downtown, Calallen, Flour Bluff, the Southside, plus Portland, Alice, Kingsville, and Rockport. Coastal deals have coastal quirks, insurance, wind zones, seasonality, and we price them like locals because we are.

Corpus Christi lending
Talk to a Local Lender Today

Common questions

Hard money, explained straight.

The Averlend library is growing weekly: funding guides, deal math, and market breakdowns for South Texas investors. Start with the questions everyone asks first.

A hard money loan is asset-based financing secured by collateral instead of your credit score or tax returns. At Averlend the property, equipment, or business asset backing the loan is the basis for approval, which is why we can fund in days instead of committee weeks.
Pricing follows risk: the loan-to-value, the asset, and the strength of your exit. Most loans are interest-only with points at close on a 12 month term. We quote your exact pricing on the first call, in plain numbers, with no teaser games.
Up to 90% of value depending on the asset class and the deal. Real estate, equipment, and business collateral each carry their own loan-to-value guidelines, and we tell you where your deal lands before you spend a dollar.
Most files close in days once we have the collateral details, a clear lien position, and your exit plan. Simple deals can go from application to wire in under a week. We are local, we control our own capital, and nothing sits in a committee.
Credit is a minor factor. We underwrite the asset and the deal first. Borrowers who cannot qualify at a bank routinely qualify with us, because the collateral does the qualifying.
The collateral address or description, your numbers (purchase price, rehab budget, value), the loan amount you need, and your exit. Supporting documents like a purchase contract, scope of work, or photos speed things up. The application page walks you through all of it.
No. We fund business-purpose and investment loans only: investment property, equipment, and business collateral. Loans on a home you live in are consumer loans, which is a different world, and we stay out of it.
Those are our home markets and where we move fastest, because we know the blocks. We also fund collateral-backed deals across South Texas. Send the scenario and we will tell you quickly if it fits.

The Averlend Promise

Bring the collateral. We bring the capital.

A straight answer in days, not weeks. Send your real estate, equipment, or business deal to a direct Texas hard money lender and an Averlend rep will reach out ASAP.

Start Your Application (540) 447-9432