Get capital that backs your build.
Silverton Capital is a trusted Texas hard money lender, built by real estate investors for real estate investors. We understand what you're building—because we've built it too. Whether you're developing, constructing, or flipping houses, we offer fast, reliable investor loans tailored to your needs. If you're looking for a real estate lending partner that’s walked in your boots, let’s get to work.
We’re investors who have been there.
At Silverton Capital, we're not just lenders—we're real estate brokers, bankers, and developers who understand the entrepreneurial grind. We’ve lived the big dreams, the sleepless nights, and the drive it takes to build, flip, and sell properties. We know what it costs—mentally, physically, and financially—to grow a business and a team in the real estate world. That’s why we use our private capital and real estate expertise to support developers, home flippers, and investors across Texas. We're borrowers too, committed to revitalizing the housing stock and fueling long-term community growth through strategic real estate development loans.
We’re now private real estate lenders in Texas—specializing in networking, underwriting, and servicing investor-friendly loans that fuel revitalization. Our mission is to improve communities one property at a time. We care deeply about the housing shortage impacting both current residents and those dreaming of calling Texas home. Through flexible real estate financing and a borrower-first approach, we’re helping close the gap.
It’s a problem we know we can help solve.
But more than anything, we’re passionate about the people on the ground—the builders swinging hammers, climbing roofs, and fixing pipes at 6 a.m. on a Saturday. The investors risking their hard-earned capital to purchase or develop land. The flippers working late nights and weekends to create a better future for their families. These are the real drivers of Texas real estate—and we’re here to support them with financing that works just as hard as they do.
We want to help them get there.
That’s why we partner with our borrowers—not just to fund deals, but to help them succeed. Beyond providing capital, we offer hands-on guidance, strategic direction, and ongoing support to ensure every project reaches the finish line. We open our network, share local contacts, and make meaningful introductions across the Texas real estate community. In short, we’re more than just a lender—we’re the dependable team behind the builder, flipper, or developer making it happen.
We’re Silverton Capital, the team real estate workers can build on.
Get the money you need to get back to work.
At Silverton Capital, we offer flexible real estate loan programs tailored to Texas investors and builders. Whether you're financing a fix-and-flip, ground-up construction, or land development project, we provide the capital and speed you need to move forward with confidence.
Silverton Renovation Loans
We provide short-term real estate investor loans with high leverage, fast approvals, and quick closings to keep your projects moving without delays.
- Rates starting at 10.99% with interest-only payments.
Loan amounts from $75,000 to $2 million, including up to 100% financing for rehab costs. - Flexible 6 to 12-month loan terms available, with extension options to fit your project timeline.
- We offer financing up to 90% loan-to-cost (LTC) and up to 75% loan-to-value (LTV)
- Origination as low as 1.99%
Silverton New Construction Loans
We offer reliable funding for new construction and real estate development projects across Texas, with flexible terms and fast closings to help you break ground sooner.
- Rates starting at 11.99% with interest-only payments and origination fees ranging from 1.99% to 2.99%
- Flexible 6 to 12-month loan terms available, with extension options to fit your project timeline.
- We offer financing up to 85% loan-to-cost (LTC) and up to 70% loan-to-value (LTV)
- Loan amounts from $75,000 to $2 million, including up to 100% financing for rehab costs.
- Efficient Draw Process
- Appraisal, plans, & survey required
Silverton Land Development Loans
We finance residential and commercial development, land acquisition, and subdivision or lot development projects—offering tailored solutions for real estate investors across Texas.
- Rates starting at 11.99% with interest-only payments and origination fees ranging from 1.99% to 2.99%
- Flexible 6 to 12-month loan terms available, with extension options to fit your project timeline.
- We offer financing up to 85% loan-to-cost (LTC) and up to 70% loan-to-value (LTV)
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Serving DFW, all of Texas and beyond.
- Fix and Flip Interest Rates from 10.99% (interest-only payments) and origination as low as 1.99% (Deal Dependent)
- New Construction Interest Rates from 11.99% (interest-only payments) and origination from 1.99-3% (Deal Dependent)
- In-House Appraisal Fee: Average of $249
- Loan Documentation: Average of $1499
- Credit Report: $85, or $125 for joint reports
- Flood Certificate: $15
- Monthly Servicing: $15
- Mandatory title policy for the mortgagee.
- Insurance policy (Builder’s Risk) required for the entire loan duration.
- Up to 75% financing of the After Repaired Value for Flips (points & fees excluded), capped at 90% of cost.
- 70% financing of the After Repaired Value for New Construction (points & fees excluded), capped at 85% of cost with Appraisal, Survey and plans.
- Loan term: 6 months - 12 Months
- Optional 3-month extension available for 1 Point.
- Required Credit Score: 600 or above.
- Minimum of $15,000 in Checking, Savings, IRA, or 401(k) accounts.
- No recent bankruptcies or foreclosures (subject to Silverton's review).
- Certification of Formation
- Letter of Good Standing issued by the Texas Secretary of State
- Certificate of Account Status from the Texas Comptroller of Public Accounts
- Organizational Documents, including:
- Partnership Agreement
- Operating Agreement
- Articles of Incorporation
- EIN Confirmation Letter from the Internal Revenue Service
- Most Recent Bank Statements (all pages) for all accounts, including checking, savings, money market, and certificates of deposit
- Fully Executed Contract
- Title Company Contact Information, including:
- Name
- Email Address
- Phone Number
- Detailed Renovation Budget, supported by contractor bids
- Certificate of Insurance for the property (a 6-month + policy must be paid in full prior to loan closing)
- Exclusive to First Liens
- Eligible properties: Single-family homes, 2–4-unit buildings, and townhomes (excluding condominiums or manufactured homes).
- Loans based on After-Repaired Value (ARV).
- Silverton appraisals primarily conducted by in-house appraisers.
- Property locations: Properties should be located in suburban regions or major metropolitan hubs, including Dallas, Fort Worth, Houston, Austin, San Antonio, and similar areas.
- Silverton may modify advance rate criteria as needed.
- Internal Appraisals based on After-Repaired Value (ARV), exclusively ordered by Silverton Capital.
- Borrowers must provide a minimum 6-month, fully paid insurance policy at closing based on loan term. 12-month for New Construction. Evidence of insurance and invoice required from the borrower's insurance agent before closing.
- Full payment of insurance premiums at closing is mandatory without exceptions.
- For properties, dwelling coverage must include vacancy and vandalism riders. Builder's risk policy recommended for rehabs exceeding $20,000.
- Borrowers with blanket policies must show proof of insurance for the new property and the existing blanket policy.
- Replacement cost coverage is compulsory.
- Lender to be listed as loss payee and additional insured. To avoid loan closing delays, arrange insurance promptly!
Rehab Process After Property Closure and Funding:
- Initial Payment: Borrowers must initially pay contractors if upfront funds are required for rehab.
- Reimbursement Request: After completing the work, submit a Draw Request Form, including property access details and contact information for inspector coordination.
- Inspection Scheduling: The inspector contacts the borrower to schedule the inspection. Interior access is necessary.
- Inspection Completion: The inspector verifies completed work per the Draw Request Form and sends the report to the lender for approval.
- Funds Release: The lender reviews the completed work against the Draw Request and releases escrow funds electronically to the borrower within 2–4 business days from the Draw request.
- Inspection Fees:
- $199 for single-family properties or up to 2 doors.
- Higher fees for properties with 3 or more doors, varying by market.
- The inspection fee is deducted from the escrow rehab account.
- Unlimited inspection requests allowed.
- Reimbursements:
- Draw reimbursements processed within 2–4 business days after receiving the inspection report. Funds deposited via ACH.
Meet the team real estate workers can build on.
Silverton Capital cares about what you’re building because we’ve been there.
A hard money loan is a short-term financing option used to purchase investment properties for rehabilitation, followed by resale or rental.
A hard money loan finances acquisition and renovation costs, reducing out-of-pocket expenses. With quick closing and fewer qualifications than conventional loans, investors can compete for deals, retain capital, and maximize returns.
As fellow investors having used the same products, we understand the importance of quick and hassle-free lending. This allows you to focus on swiftly completing your rehab, listing, and closing, so you can move on to your next project without delay.
The standard closing time is 3 to 5 business days and in certain cases, sooner.
We require a 600 minimum credit score.
Please visit our loan criteria to learn more.
Apply for financing and forge ahead.
If you’re the kind of person that sees a blighted home or untapped land development opportunity holding down property values and neighborhood potential—and you want to do something about it—let’s talk.
