Direct capital, not a broker.
We lend our own money. That means the terms you're quoted are the terms — nobody's marking them up on the way through. It also means our answer comes back in hours, not after a file changes hands three times.
Direct Hard Money · Central Texas
Central Texas Hard Money Loans — Funded Directly, Not Brokered
Fayette Funding is a Central Texas hard money lender based in Fayette County. We lend our own capital to real estate investors, builders, and property owners across Austin, San Antonio, Houston, and the small towns in between. When you send us a deal, the person reading it is the person deciding on it — no broker layers, no out-of-state committee, no delay while somebody's boss reviews it.
Who We Fund
Real Texas investors, builders, and property owners.
Fix and flip investors moving quickly on a property. Landlords buying with a DSCR loan on the rental itself, not their W-2.
Builders funding a ground-up. Owners bridging between a sale and a purchase. Families sorting out an inherited property or a divorce. Central Texas real estate touches all of it, and it doesn't wait on a bank's timeline.
Why Fayette Funding
Four things that separate us from the corporate lenders.
Same market, different operator. Here's what actually changes for you.
Built in construction, not banking.
The person underwriting your loan spent his career in the construction trade. When you say the roof's shot or the rehab is $65k for a full kitchen and two baths, we know whether the number's real. That's the difference between a lender who trusts your scope and one who second-guesses every line because they've never held a tape measure.
Local. Actually local.
Fayette County is home. Schulenburg, Flatonia, La Grange, Bastrop, Giddings — these aren't dots on a coverage map we bought a keyword list for. We work these towns, and we know the property character in the metros we lend into. That matters when the deal has anything unusual about it, which is most deals.
We don't play the "apply now" game.
Nothing gets approved by a form. You'll talk to us. We'll ask about the property and the exit. If it works, it works fast. If it doesn't, we'll tell you why in plain terms so you don't waste a week finding out somewhere else.
What We Lend On
The loan types real Texas investors actually use.
Every one of these has its own page with terms and detail. Situational loans below cover the moments when a hard money loan is the right tool for something other than a flip.
Fix and Flip Loans
Purchase plus rehab, funded in draws.
See terms →DSCR Rental Loans
Qualify on the property's cash flow, not your paystubs.
See terms →Bridge Loans
Short-term financing to close now and refinance later.
See terms →Construction Loans
Ground-up builds with real-world draw schedules.
See terms →Commercial Hard Money
Retail, office, mixed-use, small commercial.
See terms →See all loan types
Full catalog with terms and detail.
Visit hub →Situational loans
Same core hard money loan, packaged for the specific situation you're in.
Where We Lend
Fayette County is home base. We fund the corridor from I-10 to 290.
If you're anywhere from downtown Austin to west Houston, we're already lending there. See every city on the Areas Served page.
Major Metros
Fayette County & Small Towns
How the Process Works
Five steps. No mystery.
Draws happen when work is done, not when a checklist says so. If something on your side goes sideways, call us — we'd rather work with you than watch a good deal collapse over a fixable problem.
-
1
Send us the deal
Property address, price or value, rough plan and timeline. That's enough to get a real answer.
-
2
We talk
Usually a short call. We ask what we need to underwrite it — a walk, a scope, a valuation.
-
3
Term sheet
Real terms on the real deal, in writing. Not a rate range.
-
4
Close
On a clean file, 7 to 14 days is the normal window. Some go faster.
-
5
After closing
Draws happen when work is done. Call us if something goes sideways.
Owner Portrait · 400 × 500
The Person Reading Your Deal
Built in construction. Lending in Central Texas.
The person underwriting your loan spent his career in the construction trade — reading scopes, catching bad numbers, and knowing the difference between a $65k rehab and a $130k one. That's the credibility layer behind Fayette Funding, and it's why the answer you get is going to sound like it came from someone who's actually walked the property.
Read the story →Ready to Talk About a Deal?
Send us the property. We'll give you a real answer.
If it works, we'll tell you how. If it doesn't, we'll tell you that too, straight, so you can move on.
Talk to us about your deal →