“Excellent communication and expediency”
Amazing experience with Bryce! Excellent communication and expediency throughout the entire transaction. They were able to close our emergency deal in less than 48 business hours!
Ahmad A.
Houston direct private lender
Hard money lenders in Houston, headquartered here.
Creative financing, funded the same day.
Axelrad Capital is a private lender headquartered in Houston. We fund transactional and EMD deals the same day, lend direct on hard money, and offer fix and flip, bridge and DSCR rental loans to investors buying in Houston, across Texas and in every other state.
- Headquartered in Houston
- Same-day transactional and EMD
- A person reviews every file
The short answer
Is Axelrad Capital a hard money lender in Houston?
Yes. Axelrad Capital is a direct private lender headquartered at 1000 N Post Oak Rd #220-022, Houston, TX 77055, lending since 2022. We fund Houston investors' transactional double closes and earnest money deposits the same day, lend direct on hard money purchases, and offer fix and flip, bridge and DSCR rental loans. The property, the plan and the exit carry the decision, and a person on our team reviews every file.
Houston lending at a glance
- Headquarters
- 1000 N Post Oak Rd #220-022, Houston, TX 77055
- Where we lend
- Houston, Harris County and the rest of Texas, and all 50 states.
- Same day
- Transactional and EMD funding, when the file is ready.
- Fix & flip terms
- 12, 18 or 24 months, interest only. Draws in as fast as 48 hours.
- Bridge terms
- 6–24 months. Closings in 10–14 days.
- Rental (DSCR)
- 30-year fixed or ARM terms. No personal income verification.
- Credit
- None pulled for transactional funding. Specialty hard money programs go as low as 550 FICO.
- Prepayment penalty
- None on fix & flip or bridge loans.
- Title company
- On transactional and EMD funding, the Houston title company you already use.
Rates, leverage and loan sizes live on each program's page, so they are kept in one place.
Which loan fits your Houston deal
Start from what the deal needs. The program cards below carry each one's terms.
| Your Houston deal | The loan | How long it is out |
|---|---|---|
| Buy from the seller and resell to your end buyer the same day | Transactional funding | Hours. Repaid out of the resale. |
| Put up the earnest money on a signed contract | EMD funding | Until closing, or until the deal ends inside its contingencies. |
| Buy a house and renovate it to sell | Fix & flip loan | 12, 18 or 24 months |
| Close now, then sell or refinance | Bridge loan | 6–24 months |
| Buy on a contract deadline the bank cannot meet | Hard money loan | Short term, set by the exit |
| Hold a rental for its cash flow | DSCR rental loan | Up to 30 years |
Six Houston loan programs
Each page carries that program's full terms, requirements and questions.
- Transactional FundingSame-day capital for the A–B purchase in a Houston double close, repaid out of your end buyer's money.See terms
- EMD FundingThe earnest money deposit on a signed Houston contract, wired to your title company the same day.See terms
- Fix & Flip LoansPurchase and renovation in one loan, 12 to 24 months, with draws in as fast as 48 hours.See terms
- Bridge LoansClose now and sell or refinance later. 6 to 24 month terms, closings in 10 to 14 days.See terms
- Hard Money LoansDirect, asset-based lending for a purchase on a contract deadline the bank cannot meet.See terms
- Rental Loan ProgramDSCR loans for Houston rentals, qualified on the property's rent, with 30-year terms.See terms
Before you send it
What to have ready on a Houston deal
The signed contract
The purchase contract with every amendment. On a double close, the resale contract too.
Option fee and earnest money
Texas contracts often list an option fee apart from the earnest money. Give us both amounts and both deadlines, so we know which one a funding request covers.
Your title company
The Houston title company or escrow officer closing the deal, with a contact who can confirm the file is ready.
The exit
How the loan is repaid: the end buyer's funds, the sale after the rehab, or the refinance into a rental loan.
How it works
From contract to funded
Send the deal
Apply online or call us. Send the contract and the plan.
A person reviews it
Our team reads the file and confirms what is needed. Most transactional and EMD files get an answer the same day.
Fund at your title company
We wire to the Houston title company or escrow officer closing the deal.
Why Houston investors choose Axelrad Capital
- Headquartered in Houston, lending since 2022
- Same-day transactional and EMD funding
- No credit pull for transactional funding
- No prepayment penalty on fix & flip and bridge
- Transactional deals close at your own title company
- Lending across Texas and in all 50 states
Our Success Stories
5.0★★★★★29 reviews on Google · Read them
“Total transparency”
Truly quality people. Polite, professional, and always kept the line of communication open. Total transparency which is KEY in lending. I highly recommend. We used them for a BRIDGE loan and will use them again for our next investment property.
Nic B.
“Someone in your corner”
If you want certainty and someone in your corner who will go the extra mile to get your deal done, there’s no one better to work with than Axelrad.
Travis M.
“The easiest to work with”
My experience with Axelrad Cap and Bryce has been top notch. We’ve closed on three transactional deals together and without question, he’s the easiest to work with and operates with the most integrity.
Dan S.
“Dealmakers not dealbreakers”
I’ve used Bryce and his team for several transactions and they always provide the highest level of customer service, they know what they’re doing, and they are dealmakers not dealbreakers.
Green Root Development
“Went way above and beyond”
I was in a bind on a property; needed funds to prevent losing the contract. … Bryce explained what needed to be done in the future to ensure fewer hiccups, then went WAY above and beyond to rush everything that same day to make sure we got the deal closed.
Americo P.
“You couldn't dream of a better lending partner”
You couldn't dream of a better lending partner to work with than the team at Axelrad Capital! In an industry that often feels so cold & transactional, Bryce and his team make you feel like VIP's!
Aaron W.
“Professional, transparent, and always went above and beyond”
Their commitment to high integrity and exceptional service is truly impressive. From start to finish, they were professional, transparent, and always went above and beyond to meet my needs.
Seth A.
“Sharp, responsive”
Bryce is sharp, responsive, and understands how to structure deals efficiently and quickly.
LeadMasters Property LLC
“Creative with difficult deals”
They have a strong desire and willingness to be creative with difficult deals.
Robert
“Always ready to pick up the phone”
They have a ton of resources and a team member is always ready to pick up the phone and help move the project forward.
Brian A.
Common Questions
What people actually ask before they apply.
Is Axelrad Capital based in Houston?
Yes. Axelrad Capital is headquartered at 1000 N Post Oak Rd #220-022, Houston, TX 77055. Bryce Axelrad founded it in Houston in 2022, and it lends to investors in Houston, the rest of Texas and all 50 states.
What does a Houston hard money lender fund?
Short-term, asset-based loans for real estate investors: purchases on a contract deadline, renovations, bridge loans and the double closes wholesalers run. Axelrad also funds earnest money deposits and DSCR rental loans for investors who hold. The property and the exit carry the decision, not two years of tax returns.
How fast can a hard money loan close in Houston?
Transactional and EMD funding close the same day when the file is ready. Bridge loans close in 10 to 14 days. Fix and flip draws are paid in as fast as 48 hours once the loan is in place. The usual delay is a missing document, so send the full contract and the title company contact with the application.
What credit score do I need for a hard money loan in Houston?
It depends on the program. Axelrad does not pull credit for transactional funding, because the end buyer's money repays it the same day. Specialty hard money programs go as low as a 550 FICO, and some have no FICO requirement. Standard fix and flip terms start at 600.
Do I have to use your title company in Houston?
Not for transactional or EMD funding. Close at the Houston title company or escrow officer you already use. We need a contact there who can confirm the file is ready, and on a double close they confirm both legs are ready before we wire.
Do you only lend in Houston?
No. Houston is where the company is based. Axelrad lends across Texas, including Dallas, San Antonio and Austin, and in all 50 states.
Bring us your Houston deal.
Send the contract, the property and the plan. A person on our team reviews it.