Loan Programs
Short-Term Loans for Developers & Investors
NTXCapCo lends to fix-and-flip investors, land developers, and homebuilders across Texas. Every loan is secured by Texas real estate, and we look at the asset first.
Who We Lend To
Built for Developers, Builders, and Investors.
We lend to fix-and-flip investors, land developers, and homebuilders across Texas. Whether you're buying a house to flip, subdividing land, or funding construction, tell us about your deal.
- Land developers & subdividers
- Residential builders & contractors
- Fix-and-flip investors
- Owner-occupants seeking seller financing
Our Edge
Asset First
We evaluate the collateral first, then the borrower and the plan.
Texas Only
We operate only in Texas. We know the submarkets, the title companies, and the local details that matter.
Operator Experience
We've flipped homes and developed land ourselves, so we understand your timeline, your budget, and your exit.
Loan Programs
Four Programs. One Lender.
Hard-Money Loans
Short-term loans for flips and acquisitions.
For investors and developers who need a short-term loan. We lend against the property and the plan, and we look closely at the collateral, the budget, and the exit. These loans typically run 6–24 months and include origination points and a minimum interest period.
- Purchase and renovation funding
- Typically 6–18 months
- Secured by Texas real property
- Single-family, land, and small multifamily eligible
- Asset-first underwriting
Land Development Financing
From raw land to finished lots.
We lend to land developers across Texas. From land acquisition and entitlement through infrastructure and lot delivery, we structure loans around your project timeline and exit, not a one-size-fits-all product sheet.
- Land acquisition and entitlement loans
- Horizontal development (roads, utilities, lots)
- Subdivisions up to 50 lots
- Infill, transitional, and rural parcels
- Structured around your timeline and exit
Construction Financing
Vertical builds funded draw by draw, from slab to certificate of occupancy.
We fund residential construction for homebuilders and developers across Texas. Whether you're building a single spec home or a small subdivision, we structure draws around your build timeline and keep the process simple so you can stay focused on the project.
- Vertical construction draws
- Spec homes and custom builds
- Small subdivision construction eligible
- Draw schedule structured around the build
- Residential and light commercial
- Texas properties only
Owner-Finance Notes
For sellers who carry the note.
If you sold a Texas property with owner financing and would rather have cash than payments, we buy owner-finance notes. We review the property, the borrower, and the note terms, and we'll tell you where we land. Every note is different, so pricing depends on the deal.
- Land and single-family notes
- Secured by Texas real property
- Note review and documentation support
- Terms discussed deal by deal
- Texas properties only
Tell Us About Your Deal
Fill out a short inquiry and we'll follow up to talk through your financing needs.