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Hard Money Lenders San Antonio



Independent Lending one of the leading hard money lenders - San Antonio. With over $500 Million in funding since 2013, leverage our experience for success and contact us today.

  • 40 Years Mortgage Lending Experience

  • Zillow 5-Star Approved Direct Lender

  • Poor - Excellent Credit

  • A+ Rating with BBB

  • No Upfront Fees

Independent Lending

As a trusted San Antonio hard money lender since 2013, Independent Lending offers a range of hard money, private money and specialized mortgage lending programs. Independent Lending has funded over $500 million in real estate financing and is proud of it’s focus of Customer Service as well as speedy funding for fast hard money loans. Independent Lending’s San Antonio asset based lending mortgage rates are competitive and also we have no junk feesContact Us today to learn more about the San Antonio hard money lending process. 


What Sets Us apart


130 Five Star
  • 130 Zillow 5 Star Reviews
  • 5 Star Google Reviews
  • A+ Rating with BBB​


Loans Funded
$ 500 Million
  • 40 Years Mortgage Lending
  • Poor - Excellent Credit
  • Several Programs


Average Days to Fund
15 days
  • No Upfront Fees Ever!
  • Same Day Approval
  • Direct Lender

Hard Money Lenders San Antonio

San Antonio is one of the top places to live in all of Texas due to its deep-rooted history in both food and culture. From the beautiful River Walk to Historical Market Square, people from all backgrounds have no problem carving out their little piece of San Antonio that resonates as home.

As San Antonio continues to evolve it is also becoming a more attractive place to invest in real estate. Real estate investors are leveraging
hard money lending in San Antonio in a lot of unique ways to capitalize key market advantages that have historically translated into better profitability and higher positive cash flow.

Recently, the San Antonio real estate market has been championed for its
affordability, safety, and relaxing lifestyle, which has helped fuel demand for rental housing.

San Antonio ranks in as one of the
top ten safest cities across the entire United States. Additionally, San Antonio has a lower average rent per apartment compared to other major Texas metros including Dallas, Fort Worth, and Austin.

Nevertheless, rents has been incrementally ticking upward since 2019, meaning there’s ample opportunity for growth with the right investment plan. H
ard money lenders in San Antonio provide a pivotal role in helping real estate investors finance residential, commercial and industrial investment properties all throughout San Antonio.

Independent Lending is San Antonio’s preferred private money lender with unique hard money loans San Antonio investors can utilize to acquire strategic investments, increase cash flow, and improve profitability.

Dusk view of a modern home - Achieve your real estate dreams with our trusted Sacramento hard money lender services!

San Antonio Residential Hard Money Loans

Evening cityscape of modern homes - Symbolizing Sacramento commercial property success with hard money loans!

San Antonio Commercial Hard Money Loans

What is a San Antonio Hard Money Loan?

San Antonio real estate investors have a lot of options when it comes to financing a new San Antonio investment property. While traditional loan programs have been popularized by some circles of financial experts, they are highly restrictive compared to hard money loans.

San Antonio 
hard money lenders provide short-term mortgage loans that are typically used to help finance the purchase of San Antonio residential or commercial investment real estate. They can also be used as a hard money cash out refinance to inject capital into your small business.

One of key differences between traditional mortgage loans and San Antonio hard money loans is the corresponding lender. Conforming conventional loan programs are typically offered by
institutional and nonbank lenders, whereas a hard money loan in San Antonio is offered by private individuals, companies, or trusts.

Another major difference between traditional mortgage programs and San Antonio private money loans is the program’s qualifying criteriaTraditional mortgage loan programs usually have more restrictive underwriting requirements. This can make it difficult to obtain financing. On the other hand, San Antonio hard money lenders do not have the same strict lending requirements. This allows San Antonio private money lenders to create their own loan programs and make them as flexible as possible, enabling more borrowers the ability to qualify.

Independent Lending is San Antonio’s preferred hard money lender that can qualify borrowers for a
private home equity loan using a variety of alternative underwriting criteria. Independent Lending may not even need to dig into your personal finances to make an underwriting decision. Instead, our asset-based lending approach will focus more on the underlying real estate to qualify you for a new San Antonio hard money loan.

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San Antonio Hard Money Program Highlights

How Can San Antonio Hard Money Lenders Help?

As San Antonio real estate market trends ebb and flow, it can sometimes be difficult figuring out the best way to execute your real estate investing strategy. Whether you are a new or seasoned real estate investor, there are a lot of advantages to using hard money lenders. San Antonio borrowers can rely on hard money lenders to help in many aspects of their business.

The first way San Antonio
asset based lenders can help is by providing much needed flexibility for new acquisitions. The process of buying a new investment property is multifaceted and can sometimes stall.

Traditional lenders typically take between 45-60 days to approve a new mortgage loan. But a lot can happen between application submission and closing that can impact your approval. If you want to avoid having a deal fall through, using asset based lending in San Antonio for your financing needs is the best way to save money and close in days.

Another way San Antonio hard money lenders can help is by providing unique lending programs that incorporate unique qualifying criteria. By centering the credit approval decisions around the underlying real estate’s condition and value,
less concern is placed on personal income and credit scores. This allows any San Antonio real estate investor to qualify for a asset-based lending.

Lastly, San Antonio
hard money equity lenders provide the expertise and guidance that can help navigate you through complex transactions. Having an advocate in your corner with the industry acumen to strategically structure the financing for your deal could make or break your purchase.

Independent Lending prides itself on being San Antonio’s preferred hard money lender. For over a decade Independent Lending has supported San Antonio borrowers by providing guidance and superior
hard money home equity loan programs that can help you achieve your finance goals. Whether you need a quick cash infusion or have a specialty financing need, Independent Lending can help.

About Our Mortgage Lending and Service

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Residential and Commercial Hard Money San Antonio Purchase Loans

Adding hard money purchase loans to your San Antonio real estate financing strategy can add a ton of value. San Antonio hard money loans can be used to buy both residential and commercial properties.

A key advantage to using San Antonio hard money
investment property lenders is that it can leverage your offer for the new purchase. Sellers prefer to work with buyers who have the backing of a San Antonio hard money lender because there is minimal chance that the deal will fall through due credit complications and typically there is a larger down payment involved.

Similarly, San Antonio private money lenders require much less paperwork, which allows them to cut down on processing time and fund loans quickly. Sellers will want to work with you because they know they can close in as little as a few days and not have to wait weeks or months for their net proceeds.


Independent Lending remains a popular provider of San Antonio hard money bridge loans. In real estate, there can often be a gap between selling an existing investment property and buying a new one. As the name suggests, a hard money bridge loan can help bridge this gap to make a purchase possible.

The hard money bridge loan allows real estate investors to leverage the available equity in a San Antonio property that has been earmarked for sale, to fund the down payment or entire cost of buying a new investment property.

dscr loans texas

Debt service coverage ratio (DSCR)  loans are one of the most popular San Antonio Alta-a loan programs that Independent Lending offers. If you consider how difficult it can be to get approved for a traditional mortgage loan on an investment property, DSCR loans are a great way to overcome many of those obstacles preventing you from financing your next big rental purchase.

San Antonio 
DSCR loans allow real estate investors to qualify for a new real estate mortgage without the need to demonstrate a minimum level of personal income. In fact, Independent Lending won’t need to review your personal income at all. Instead, your approval decision will be based on the capacity of the underlying real estate to generate rent, among other factors.

hard money loans for bad credit

A person’s credit score shouldn’t be the primary driving force behind getting approved for a new real estate loan. Independent Lending understands that everyone has a unique history managing credit.

If you have had blemishes to your credit report, consider a 
home equity loan for bad credit. Hard money bad credit loans are available to San Antonio borrowers who cannot qualify for traditional mortgage loan programs.

Independent Lending offers hard money
bad credit mortgage loans to borrowers even if they have reported collections, a history of delinquency, or past derogatory credit events including, but not limited to, bankruptcy or foreclosure.

Probate, Estate, and Trust Loans

Sometimes certain complex financial situations require specialty financing options. Probate, estate, and trust situations are common scenarios that can be tricky to navigate and require the use of a probate, estate or trust loan to help put to bed creditor claims or divide up a decedent’s assets.

Independent Lending offers estate, trust and probate real estate loans to help San Antonio borrowers get the capital needed to wrap up a buyout situation or finalize probate proceedings. If you are unsure if a probate, trust or 
estate loans are the best course of action, Independent Lending can help you identify if a probate, estate, or trust loan is right for you.

Cash Out Refinance Loans

Taking advantage of the equity in your existing San Antonio investment property is one way to accelerate your real estate investment strategy. In fact, Independent Lending often recommends using a hard money cash out refinance loan over a purchase mortgage in specific situations.

private money cash out refinance loan can help you get the cash you need to buy new investment properties or maintain your expand your current small business. Independent Lending simplifies the refinance process so you can get access to the funds you need right away.

Independent Lending Recently Funded Loans

Using a San Antonio Hard Money Loan from Independent Lending

The historic Alamo is a testament to how San Antonio real estate has withstood the test of time. As San Antonio continues to grow, real estate will continue to be a lucrative investment for smart investors.

If you want to grow wealth by owning San Antonio real estate, partnering with preferred San Antonio
hard money lenders for rental properties can help grow your real estate holdings. Nevertheless, it’s important to partner with the right San Antonio hard money lender that has your interest at heart.

While there are many San Antonio hard money lenders to choose from, many don’t understand the intricacies of the market or have your best interest at heart.
Many private lenders simply throw you into a loan program without fully understanding your unique financial objectives.

Independent Lending is different. With over 40 years of combined industry experience, our concierge-like approach to hard money lending generates value by focusing on 
building trust and making strategic recommendations that synergize with your overarching investment plan.

Considered one of the most reputable private money lenders in the area, Independent Lending always makes it a priority to help borrowers achieve their financial goals.

Need a San Antonio Hard Money Loan?


Contact Independent Lending

Call Toll Free: 1.800.315.0043 / Local: 949.830.3151 or click the Contact Us button to fill out our secure web form for a call back. At Independent Lending, we give every loan request the respect it deserves.

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