San Antonio & Corpus Christi, Texas

Collateral moves faster than a bank ever will.

Averlend is the direct hard money lender Texas investors, contractors, and business owners call when timing matters. Real estate, equipment, and business loans backed by your assets. Up to 90% of value, 12-month terms, funded locally.

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Lending at a glance

Max loan-to-value
90%
Standard term
12mo
Collateral types
3classes
Typical close
Daysnot weeks
90%
Up to LTV
12 mo
Term length
3
Asset classes
2
Texas markets

What we finance

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.

Residential property being renovated

Real Estate Loans

Fix and flip, bridge, rental, new construction, and commercial property. Texas investors use our capital to close fast and out-compete cash buyers.

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Heavy construction equipment and excavator

Equipment Loans

Excavators, trucks, trailers, machinery, and heavy equipment. Borrow against the iron you own or the iron you are buying.

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Business owners reviewing financials

Business Loans

Collateralized working capital for operators. Real estate, equipment, inventory, or receivables secure the line when banks say no.

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Business handshake closing a deal
90%We lend up to ninety percent of value on qualifying collateral, one of the most aggressive positions in the Texas market.

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.

Built for serious operators

The advantages that close deals.

Funded in days

We move at the speed of opportunity. Clear collateral and a clean exit can take you from application to wire in under a week.

Secured by collateral

Every loan is asset-backed. That structure protects everyone and is exactly why we can say yes when a bank cannot.

Up to 90% of value

Aggressive loan-to-value means less cash out of your pocket and more capital working on the next deal.

Texas, on the ground

San Antonio and Corpus Christi are home. We underwrite local values with local eyes.

Honest structures

Interest-only options, defined 12-month terms, and payoff terms spelled out in writing before you sign.

Repeat-borrower friendly

Our best clients come back deal after deal. Build a track record with us and watch your terms improve.

The Averlend Close

From application to wire, the Averlend way.

Submit your scenario

Tell us about 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.

Two Texas markets

Lending where we live and work.

San Antonio Texas downtown skylineSan Antonio

San Antonio Hard Money

Serving Bexar County, Alamo Heights, the 09 corridor, and the greater metro.

San Antonio lending
Corpus Christi coastline and harborCorpus Christi

Corpus Christi Hard Money

Serving Nueces County, the Coastal Bend, Portland, and surrounding communities.

Corpus Christi lending

Common questions

Hard money, explained.

A hard money loan is asset-based financing secured by collateral rather than by your credit score or income history. At Averlend the property, equipment, or business asset backing the loan is the primary basis for approval, which lets us fund far faster than a bank.
We lend up to 90% of value depending on the asset class, the strength of the collateral, and your exit strategy. Real estate, equipment, and business assets each carry their own loan-to-value guidelines that we confirm during underwriting.
Most files close in a matter of days once we have the collateral details, a clear title or lien position, and your exit plan. Simple deals can move from application to wire in under a week.
Our standard product is a 12-month term designed for investors and operators who have a defined exit such as a sale, a refinance, or seasoned cash flow. Interest-only structures are common.
Those are our home markets and where we move fastest, but we fund collateral-backed deals across South Texas and the broader Texas market. Reach out with your scenario and we will tell you quickly if it fits.
Credit is a minor factor. Because every loan is secured by collateral, we underwrite the asset and the deal first. Borrowers who cannot qualify at a bank routinely qualify with us.

The Averlend Promise

Bring the collateral. We bring the capital.

A straight answer in days, not weeks. Get a fast funding decision on your real estate, equipment, or business loan from a direct Texas hard money lender.

Start Your Application (540) 447-9432