Providing Hard Money Loans FAST
Direct Lender
Brokers Protected

Ellis Equity Lending in Houston, TX provides alternative lending through hard money loans, bridge loans, and raw land loans. This allows our clients to free up equity in their properties, pay off demanding banks, or consolidate debt. With more than 40 years of experience in the lending industry, our professional team knows what it takes to deliver exceptional service to our clients’ utmost satisfaction.

Mission Statement

Our goal is to offer a quick turnaround and response time to our customers.

What You Need to Know About Hard Money Loans

Are Hard Money Loans Right for You?

These types of loans are not regulated by the Federal Deposit Insurance Corporation (FDIC). Whether you want a quick close on your loan, unable to meet bank requirements, or are planning to buy the deal of a lifetime, we are here to provide the financing to meet your specific goal.

Closings typically occur two days after the title work is completed. Our loan approval process starts with an initial phone or email conversation. We will then schedule a site visit to inspect the property and meet the borrower.

Banks and institutional lenders have stringent requirements, often taking a long time to process and approve a loan, and usually do not consider that you have a ton of equity. If you have a poor credit history, they most likely will not lend to you. When you need to move fast to strike a deal or borrow equity out of your land, a hard money loan is the best option you have.

How Do Hard Money Loans Work?

Borrowers may receive a short-term loan with a high interest rate. The loan typically lasts two years with a minimum loan term of one year. Our loans are asset-based, which means that borrowers can have credit issues and still obtain a loan based on property evaluations. We also serve clients who may be going into or coming out of bankruptcy.

Is Hard Money Similar to Bridge Lending?

There is very little difference between a hard money loan and a bridge loan. A hard money loan is based on assets. Both loans can also be used to purchase or borrow against investment or commercial property. In most cases, the buyer is still unable to get traditional financing due to this transition.

Why Choose Us?

We have our own personnel who perform due diligence, closing, and servicing duties related to the funding of loans. Aside from our hard money loans, we also offer variable rate and interest-only loans.


Who Loans Hard Money?

Hard money lenders are typically private agencies or entities that strictly handle this type of financing. Experienced hard money lenders are not that common, so you should learn more about direct lenders from the Scotsman Guide.

Many brokers present themselves as lenders when they are not. We have an established broker presence that provides leads from around the world to our clients in the various states we serve. We also make sure that all our brokers are always protected.

Reach Out to Our Team

Contact us today for a free consultation about the services we offer. We look forward to hearing from you!

Areas We Serve

We are willing to travel and provide our hard money lending services to businesses and individuals in the following states:

  • Colorado

  • Florida

  • Montana

  • New Mexico

  • Texas

Testimonials from Brokers and Borrowers

D. Peterson

“Barney and Billy really take care of their brokers and make sure they get paid. I had a deal that the borrower had several draws and only wanted to pay me on the first draw amount, not the whole loan amount.

Barney told him if he wanted a second draw that I would be paid from it. Needless to say, I received the exact amount of my commission. Not only that, they are very personable and are really serious about closing Texas land loans. If they like the deal, it gets closed, simple as that and you get paid.

What's not to like?”

Lester Kastleman

“ I have been a borrower/customer of Ellis Equity for many years, and the connection is 100% satisfactory and financially rewarding. Their actions are prompt and very efficient.

Jeff Maddux

"For over 15 years, Ellis Equity has consistently performed. When they said " It's approved", usually within a day or two, it funded as quickly as I could get the paperwork to them. No delays, no red tape, no hiccups! For fast, asset-based lending they are the very best. 6 stars!"

Robert B. Ferguson, Sr.

"Over the years I have closed over 20 transactions with Ellis Equity. You have always been courteous and efficient. Your ability to respond and close quickly has saved the profit on many deals that might have been lost otherwise and has often resulted in a lower price which more than compensated for the interest. Your services have been absolutely indispensable to our business."