Aitch Lending provides commercial, residential, and construction financing for real estate professionals who need a lender that understands the asset, the market, and the timeline.
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Aitch Lending works with developers, investors, and property owners across Texas and beyond. We fund time-sensitive acquisitions, value-add repositioning, ground-up construction, and bridge capital where certainty of close matters more than the lowest rate. Our approach is relationship-driven, our underwriting is deal-driven, and our capital is positioned to move when opportunities require it.
We structure financing across the full arc of a real estate transaction, from acquisition through stabilization. Each engagement is led by a principal and supported by a network of capital partners and advisors.
Acquisition, refinance, and repositioning capital for commercial real estate including multifamily, mixed-use, retail, industrial, and office assets. Bridge and permanent structures available, with underwriting focused on the asset and the business plan.
Investor-focused residential financing for fix-and-flip, rental acquisition, DSCR loans, and bridge capital for non-conforming borrowers. We serve first-time investors and established portfolios with the same attention and the same speed.
Ground-up construction and major renovation financing for residential and commercial projects. Draw schedules are structured around the project timeline, not the lender's internal calendar.
Private capital is not about replacing the bank for every transaction. It is about being the right capital for the transactions banks cannot or will not structure. Four principles define how we work.
Banks measure loan approvals in months. We measure them in weeks. When your close date is fixed and your opportunity is time-sensitive, we move on your timeline.
We underwrite the deal, not a checklist. Unconventional assets, complex borrowers, and non-standard structures are what we do, not exceptions we reluctantly accommodate.
We draw on a network of private capital sources and advisory relationships to structure financing that fits the transaction. If one source does not fit, another typically does.
You work directly with decision-makers from the first call through closing. No loan committees you cannot see, no underwriters you cannot reach, no handoffs that slow the deal.
A short call to understand the deal, the timeline, and the structure you need.
Same-day indication where possible, with a term sheet within 48 hours when the deal is defined.
Streamlined review led by decision-makers, with clear documentation requests and no surprises.
We hit the date we commit to. Funding is coordinated with title, counsel, and your team.
First conversations are confidential and carry no obligation. Call or email directly to discuss a transaction, a structure, or a scenario you are evaluating.