Get capital that backs your build.
Silverton Capital is a Texas-based real estate lender that has a passion for what you’re building. We’re borrowers who became lenders. If you’re developing, building, or flipping, and want a team that’s stood in your boots, let’s get to work.
We’re investors who have been there.
We’re brokers, bankers, and developers who know what it takes: The big dreams, the sleepless nights, the go-getter attitudes, the taking ground to grow and develop themselves and their teams to make a difference. We know the entrepreneurial spirit required to develop, sell, and flip homes, which often comes at great personal expense. As borrowers, we're using our capital and expertise to revitalize the housing stock.
Now we’ve become lenders who specialize in networking, underwriting, and loan service to improve Texas one home at a time. We care about the housing shortage affecting those who live—and those who want to live—in our great state.
It’s a problem we know we can help solve.
But more than that, we’re passionate about the people on the ground, the builders driving nails and climbing roofs and repairing leaking pipes at 6 am on a Saturday, the ones bearing risk with their hard-earned dollars to purchase or develop tracts of land, the flippers working nights and weekends beyond their day jobs to make a better life for themselves and their families.
We want to help them get there.
That’s why we join with our borrowers to help them succeed. In addition to investing capital, we help guide, direct, and support our builders to ensure we have successful projects and investments. We open up our database and networks to make introductions and connect to others in the area. In other words, we’re their team that they can depend on to get the job done.
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 loan programs. Whether you’re looking for a fix-and-flip, construction, or DSCR loan, we have what you need.
Silverton Fix and Flip Loans
Short-term financing for real estate investors, with high leverage and quick closing.
- Rates from 10.99% (interest-only payments)
$75k–2M Loan Amounts, 100% Rehab financing - 6–12-month loan term
- Up to 90% LTC & 75% LTV
- Origination as low as 1.99% (Deal Dependent)
Silverton New Construction Loans
Funding for new construction and development projects.
- Rates from 11.99% (interest-only payments) and origination from 2–3%
- 9–18-month term
- Up to 85% LTC & 70% LTV
- $100k–2M loan amounts
- Efficient draw process
- Appraisal, plans, & survey required
Silverton Land Development Loans
Residential/Commercial development, land acquisition and subdivision/lot development
- Rates from 11.99% (interest-only payments)
- Origination 2–3%
- Up to 85% LTC & 70% 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.
