HOUSTON FiNTECH is a non-bank private capital advisory and brokerage firm. We help real estate investors and business owners evaluate, structure, package, and navigate private lending and private credit solutions—from the initial opportunity through underwriting and closing.
Our role is to help clients pursue the right capital source with a transaction structure and presentation that align with lender expectations.
No. HOUSTON FiNTECH is not a direct lender and does not make final credit or funding decisions.
We serve as a private capital advisor and broker. We evaluate the financing request, help structure and package the opportunity, identify potential capital sources, and support the client through diligence, underwriting conditions, and closing.
All approvals, loan terms, and funding decisions are made independently by the lender or capital provider.
We do more than introduce a borrower to a lender.
Our process may include:
Our objective is to reduce avoidable friction and improve the quality and credibility of the transaction presentation.
HOUSTON FiNTECH supports a range of real estate and business-purpose financing transactions, including:
Available programs depend on the property, borrower, project, requested amount, use of funds, financial condition, experience, and exit strategy.
For many real estate financing programs, the minimum requested loan amount generally begins at approximately $350,000 to $250,000,000.
Commercial real estate, private credit, and more complex capital transactions may have substantially higher minimums. Certain advisory or institutional capital assignments may begin at $1 million or more.
Minimum and maximum loan amounts are determined by the specific lender, transaction type, collateral, and financing program.
Documentation requirements vary by transaction, but clients should generally be prepared to provide:
Additional documentation may be requested during underwriting.
The timeline depends on the transaction, lender, property, documentation, and complexity of the financing request.
A straightforward private real estate transaction may close within approximately two to four weeks after the lender receives a complete and acceptable file. More complex commercial real estate, construction, business, private credit, or structured capital transactions may require 30days or longer.
The most common causes of delay include:
HOUSTON FiNTECH works to keep the process organized, but no closing date can be guaranteed.
Yes. Depending on the assignment, HOUSTON FiNTECH may charge an engagement, advisory, packaging, due diligence, or processing fee.
For example:
The applicable fees, services, and payment terms will be disclosed in a written agreement before the engagement begins.
Lender fees and third-party expenses—including appraisal, title, legal, inspection, environmental, credit, background, and document preparation charges—are separate from HOUSTON FiNTECH’s fees unless expressly stated otherwise.
Generally, no.
Engagement, advisory, packaging, due diligence, and processing fees compensate HOUSTON FiNTECH for professional services performed, including transaction evaluation, file setup, document review, structuring, packaging, lender research, capital-source matching, and submission support.
These fees are generally earned when the engagement begins and are non-refundable, including when:
Any exception must be specifically stated in a written agreement signed by HOUSTON FiNTECH.
Third-party fees are also generally non-refundable once the applicable service has been ordered or performed.
No.
Submitting an opportunity to HOUSTON FiNTECH does not guarantee:
Preliminary terms, indications, scenarios, and term sheets may be subject to underwriting, appraisal, title review, verification of information, lender approval, acceptable documentation, and satisfaction of all closing conditions.
The lender or capital provider makes the final decision.
Yes.
Many clients contact HOUSTON FiNTECH after a traditional bank declines a request or determines that the transaction falls outside its credit policy.
A bank decline does not necessarily mean the opportunity is weak. The transaction may require:
We review the reason for the decline and determine whether the opportunity may fit a private lending, private credit, or alternative capital source.
A prior bank decline does not guarantee that another lender will approve the request.
Yes, subject to program availability.
Some lenders offer programs for first-time investors or first-time builders. However, these programs may require additional support, including:
For construction financing, the lender will evaluate both the borrower’s experience and the general contractor’s qualifications. Some programs may require the borrower to have completed similar projects before becoming eligible for construction advances or higher leverage.
There is no single credit-score requirement for every program.
Credit requirements vary according to the lender, loan type, property, leverage, borrower experience, liquidity, and overall transaction strength.
Many real estate investment programs generally prefer credit scores in the 620 to 680 or higher range. Certain DSCR, construction, commercial, or business financing programs may require a score of 680 or higher.
Some asset-based or private lending programs may consider lower scores when the transaction has strong collateral, adequate equity, sufficient reserves, and a credible exit strategy. Lower credit may result in reduced leverage, higher pricing, additional reserves, or other conditions.
Yes. HOUSTON FiNTECH may assist foreign nationals and international investors with qualifying United States real estate investment transactions.
Depending on the program, a foreign-national borrower may be required to provide:
Foreign-national programs vary by lender, country of citizenship, property type, and transaction structure.
Private lending generally refers to loans provided outside the traditional banking system. It is often used when the borrower needs speed, flexibility, or a transaction-specific structure.
Private credit is the broader non-bank lending market. It may include bridge lenders, debt funds, specialty finance companies, family offices, and direct lenders.
Private equity is ownership capital rather than a traditional loan. An equity investor typically expects ownership, profit participation, preferred returns, or other economic upside.
HOUSTON FiNTECH helps clients evaluate which capital structure is most appropriate for the opportunity. Equity placement or investment-bank-related services may be handled through appropriately qualified or authorized capital partners.
Referral compensation depends on the transaction, referral source, applicable law, and the terms of a written referral or broker agreement.
When permitted, a referral partner may receive compensation after a referred transaction successfully closes and HOUSTON FiNTECH receives its applicable compensation.
Referral partners are not generally compensated merely for providing a name or making an introduction. Compensation is not guaranteed and may be affected by:
HOUSTON FiNTECH does not pay referral compensation when doing so would violate applicable law, lender policy, licensing requirements, or professional standards.
Yes, when the client has authorized HOUSTON FiNTECH to communicate with the referral partner.
We work to keep authorized referral partners informed about significant developments, documentation needs, underwriting progress, and closing status. However, certain financial, credit, legal, or confidential information may only be shared directly with the client or with the client’s express authorization.
HOUSTON FiNTECH treats client information as confidential and uses it for evaluating, packaging, presenting, processing, and supporting the financing request.
Information may be shared with parties involved in evaluating or completing the transaction, including:
We seek to limit access to individuals and organizations that need the information for a legitimate transaction-related purpose. We also use administrative and technology-based practices intended to support secure document handling and communication.
Clients should use approved submission channels and avoid transmitting sensitive financial information through unsecured methods whenever possible.
HOUSTON FiNTECH does not sell client information to unrelated parties for their independent marketing purposes.
The general process includes:
Clients use HOUSTON FiNTECH because they often need more than a rate quote or a lender list.
They need assistance to:
Our role is to help the client approach the capital market with greater preparation, precision, and credibility.
Submit a summary of the opportunity that includes:
After reviewing the initial information, HOUSTON FiNTECH will advise whether the opportunity appears to fit our services and what additional information will be required.
HOUSTON FiNTECH
2100 West Loop South, Suite 800
Houston, Texas 77027
Office: 832-930-8484
Website: houstonfintech.com
HOUSTON FiNTECH is a private capital advisory and brokerage firm and is not a direct lender. All financing is subject to lender underwriting, independent approval, acceptable collateral, verification of information, satisfactory documentation, and satisfaction of all closing conditions.
Rates, terms, programs, leverage, and fees are subject to change. Nothing in this FAQ constitutes a commitment to lend, an offer of securities, legal advice, tax advice, or a guarantee of financing.
We use cookies to analyze website traffic and optimize your website experience. By accepting our use of cookies, your data will be aggregated with all other user data.