Austin-based hard money lender specializing in fix-and-flip and new construction loans for Texas real estate investors with 1-year terms and competitive rates.
Data compiled from public sources · Google rating shown when a stored review count is available
Boardwalk Funding, LLC is a boutique hard money lender headquartered in Austin, Texas, focused exclusively on serving real estate investors throughout the state. The company positions itself as a local financing partner committed to supporting investors' real estate ventures with dependable capital and published application timing processes. Their boutique model emphasizes personalized service and local experience context in the Texas real estate market.
The company offers two primary loan products: Fix & Flip loans and New Construction loans. Fix & Flip loans carry 1-year terms at 11.00%-12.75% rates with 2.00-2.75 points, designed for investors purchasing and renovating properties. New Construction loans offer 1-year terms at 11.25%-12.95% rates with 2.50-3.00 points. Both products are structured for real estate investors rather than traditional homebuyers, reflecting hard money lending's typical use case of short-term project financing with faster underwriting than conventional mortgages.
Boardwalk Funding differentiates itself through its exclusive focus on Texas investors, local Austin-based operations, and stated commitment to investor success. The company emphasizes fast, dependable lending as a core profile context. Their direct contact method (phone/text line) suggests accessibility and quick decision-making capability typical of hard money lenders.
Prospective borrowers should understand that hard money lending carries significantly higher rates and points than conventional mortgages—these rates reflect the short-term, higher-risk nature of fix-and-flip and construction projects. The 1-year terms require clear exit strategies (sale, refinance, or project completion). This product is not suitable for primary home purchases or traditional mortgage needs. The company's exclusive Texas focus also limits geographic availability.
This is state-level context for Business Loans consumers in Austin, TX. It does not confirm that Boardwalk Funding, LLC or this specific location is licensed.
State regulator
Texas Office of Consumer Credit Commissioner
Consumer protection
Status: Permitted
Rate context: 10% APR for written contracts; 18% APR default rate for oral or implied contracts (Tex. Bus. & Com. Code § 307.003)
Personal loans are regulated under Texas Finance Code; rate caps apply to consumer loans not otherwise exempted
Status: Permitted
Rate context: 10% APR for written contracts; 18% APR default rate (Tex. Bus. & Com. Code § 307.003)
Installment loans are regulated under Texas Finance Code; same rate caps apply as personal loans for consumer lending transactions
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Boardwalk Funding, LLC offers 8 services including Fix & Flip loans (1-year terms, 11.00%-12.75% rates), New Construction loans (1-year terms, 11.25%-12.95% rates), Hard money lending for real estate investors, Project-based real estate financing, Fast loan approval and funding processes, and 3 more.
Boardwalk Funding, LLC has profile signals associated with Texas real estate investors executing fix-and-flip projects with clear timelines and exit strategies, New construction developers needing short-term project financing before permanent financing or sale, Investors unable to qualify for conventional mortgages due to credit, timeline, or property condition issues, Real estate investors requiring fast capital deployment for time-sensitive acquisition and renovation opportunities.
Key strengths: Specializes in fix-and-flip financing with clear, published rates (11.00%-12.75%) and points (2.00-2.75); Local Austin-based lender with stated experience context and commitment to Texas real estate investors; published application timing and funding process implicit in hard money lending model, enabling quick project launches. Areas to consider: Rates of 11.00%-12.75% are higher in listed context than conventional mortgages (typically 6-8%), significantly increasing project costs; Points of 2.00-3.00 add thousands in upfront costs that reduce investor net proceeds.
In the Business Loans category, comparable providers include Cash Kingdom Loans LLC, Larry Minutillo - Mortgage Lender; First American Bank, Swift Title Loans. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Boardwalk Funding is best suited for active Texas real estate investors executing fix-and-flip or new construction projects who need fast capital and have clear project timelines and exit strategies. The critical caveat is that hard money loans carry rates higher in listed context than conventional mortgages (11-13% vs. 6-8%) and upfront point fees, making them viable only when conventional financing is unavailable or when project speed justifies the premium cost—not for owner-occupied home purchases or long-term holds.
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders are required to show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the lower-cost loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.
Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.
Example
A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.
Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.
Example
You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the one route to reduce your total cost and pay off a loan early.
Example
You borrow $25,000 for a car. That $25,000 is your principal. Your first payment of $450 might split as $150 toward interest and $300 toward principal, bringing your balance to $24,700.
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
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