Quick Lending is a hard money lender specializing in short-term, asset-based loans for real estate investors in Texas. They offer residential, commercial, and construction financing with closing in as little as five days.
Data compiled from public sources · Rating from CreditDoc methodology
Quick Lending, LLC was founded by four managing partners with a mission to serve real estate investors, home flippers, renovators, and builders across Texas. The company operates as a hard money lender—a non-traditional mortgage provider that bases lending decisions on property value rather than credit scores or income qualification. Since inception, Quick Lending has facilitated over $174 million in total loan closings.
The company offers three primary loan products: Residential Loans for single-family through 4-unit properties purchased under LLC or Corporation; Commercial Loans for retail, office, industrial, and apartment complexes of five units and above; and New Construction Loans to finance land, materials, and labor for custom home building. All loans are short-term, interest-only structures designed to bridge the gap between property acquisition and either sale or refinancing. They explicitly do not offer consumer personal loans, maintaining a strict focus on investor-grade lending.
Quick Lending distinguishes itself through speed of closing (as little as five days), no prepayment penalties, no credit checks, no extension fees at 6 or 9 months, and a full 12-month term with flexibility. The company serves five Texas markets: Houston, San Antonio, Dallas-Fort Worth, Austin, and Corpus Christi. They provide an online closing cost calculator and maintain a team of dedicated loan officers and portfolio managers to guide clients through each stage of the process.
As a hard money lender, Quick Lending serves a specific niche—real estate investors who need rapid capital deployment rather than traditional financing. However, borrowers should understand that hard money loans typically carry higher interest rates and origination fees than conventional mortgages, require substantial down payments (minimum 30-40% based on their LTV options), and are structured as short-term bridge financing rather than long-term mortgages. This is appropriate for investment properties but not suitable for primary residence purchases or borrowers seeking traditional 30-year fixed-rate mortgages.
Yes. Quick Lending, LLC is a registered company, headquartered in Houston, TX.
Results vary by individual situation. Contact the provider to discuss expected timelines for your specific needs.
CreditDoc Diagnosis
Quick Lending is best for real estate investors and professional builders who need fast capital deployment (5 days or less) and prioritize speed over lower interest rates. The primary caveat is that hard money lending is significantly more expensive than traditional mortgages and carries short-term repayment structures; this is appropriate only for investors with clear exit strategies, not for consumers seeking primary residence financing or long-term affordable mortgages.
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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 must 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 cheapest 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 fastest way 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.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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