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Welcome
Covenant Lending of Texas Corporation helps real estate investors, entrepreneurs, business owners, and commercial property professionals identify funding solutions aligned with their goals, timelines, and financial circumstances. We combine responsive service, practical guidance, and access to a broad range of potential financing options so clients can move forward with greater clarity and confidence.
Welcome to Our World
We believe in creating meaningful experiences that inspire and connect. Let us help you bring your vision to life.
Our Quality
FUNDING FOR THE OPPORTUNITIES THAT MOVE YOU FORWARD .
Real Estate, Business and Commercial Funding Built Around Your Goals.
Whether you are acquiring an investment property, expanding a business, refinancing a commercial asset, or pursuing your next major opportunity, Covenant Lending Corporation of Texas helps you explore practical funding solutions with clarity, speed, and personal guidance.
Request a Funding Consultation Explore Funding Solutions - Serving investors, entrepreneurs, business owners, and commercial clients in Texas and other eligible markets. Funding Solutions for Real-World Goals-
Every opportunity is different. That is why we begin by understanding the property, the business, the numbers, the timing, and the result you want to achieve. We then help identify potential funding paths that may fit your transaction and guide you through the information needed to move forward.
Our Main Funding Areas Real Estate Funding. Financing solutions for eligible residential investment properties, rental portfolios, fix-and-flip projects, new construction, bridge transactions, refinancing, and other property-based opportunities.
Business Funding - Working capital and growth-oriented funding options for eligible businesses seeking to strengthen cash flow, purchase equipment, expand operations, pursue contracts, or invest in the next stage of growth.
Commercial Funding- Financing support for eligible commercial acquisitions, refinances, owner-occupied properties, multifamily assets, mixed-use developments, and specialized income-producing properties.
Why Clients Choose Covenant Lending Personal attention from the first conversation. Access to multiple potential funding channels and program types.
Clear guidance on documentation and next steps Solutions evaluated around the transaction—not a one-size-fits-all approach.
Responsive communication designed to keep opportunities moving.
A relationship-focused approach before, during, and after closing
How It Works 1. Tell us about your goal — Share the property, business need, amount requested, and timeline.
2. Review possible options — We assess the scenario and discuss programs that may be available.
3. Submit the requested information — Provide documents needed for preliminary review and underwriting.
4. Move toward a decision and closing — We help coordinate the process and keep you informed. Closing Call to Action Your next opportunity deserves a funding conversation. Tell us what you are working to accomplish, and let us help you explore a practical path forward.
A Funding Relationship Built on Trust
At Covenant Lending Corporation of Texas, we understand that financing is rarely just about money. It may represent a property waiting to be acquired, a business ready to expand, equipment needed to serve more customers, or a commercial project with the power to create long-term value. Our role is to help clients approach those moments with preparation, clarity, and access to potential funding solutions. We serve real estate investors, entrepreneurs, business owners, developers, and commercial property professionals who value responsive communication and a more personal financing experience. Instead of beginning with a product, we begin with the client’s objective. We review the transaction, identify important strengths and challenges, and help determine which available paths may warrant consideration.
Expert Care & Oppourtunities
Our Commitment We are committed to treating clients with respect, communicating honestly, protecting confidential information, and helping each applicant understand the process. Approval is never guaranteed, and every program has its own requirements, but every serious inquiry deserves professional attention and a clear response.
Who We Serve Residential and commercial real estate investors First-time and experienced property investors Small and midsize business owners
Real Estate Funding Financing for Property Investors and Real Estate Opportunities A strong real estate opportunity can be highly time-sensitive. Covenant Lending Corporation of Texas helps eligible investors explore financing options for acquisitions, improvements, refinances, construction, and portfolio growth. Program availability and terms vary by property, borrower, location, experience, exit strategy, and lender guidelines.
Potential Real Estate Funding Solutions
Fix-and-flip financing Debt service coverage ratio (DSCR) rental loans Single-family and small-balance investment property financing Bridge and short-term acquisition financing Ground-up construction financing Rehabilitation and renovation financing Rental portfolio financing Cash-out and rate-and-term refinancing Multifamily property financing Land and lot financing, where available Foreign national investor programs, where available What We Consider Depending on the program, evaluation may include property value, purchase price, renovation budget, projected after-repair value, rental income, debt service coverage, borrower experience, credit profile, liquidity, entity structure, guarantor strength, and the proposed exit strategy.
For Fix-and-Flip Investors Move from acquisition to renovation with a financing structure designed around an investment project. Be prepared to provide the purchase contract, scope of work, renovation budget, project timeline, entity documents, and information about comparable experience.
For Rental Property Investors Explore long-term financing based on eligible rental-property cash flow and other program criteria. Options may be available for individual properties or portfolios, subject to underwriting and applicable guidelines.
For Builders and Developers Financing may be available for eligible ground-up residential and select development projects. A complete request should include plans, permits or status, budget, timeline, contractor information, land details, comparable projects, and a clear repayment or sales strategy.
Discuss Your Property Scenario
Solution & Oppourtunities
Real Estate Funding Financing for Property Investors and Real Estate Opportunities
A strong real estate opportunity can be highly time-sensitive. Covenant Lending Corporation of Texas helps eligible investors explore financing options for acquisitions, improvements, refinances, construction, and portfolio growth. Program availability and terms vary by property, borrower, location, experience, exit strategy, and lender guidelines.
Potential Real Estate Funding Solutions
Fix-and-flip financing Debt service coverage ratio (DSCR) rental loans Single-family and small-balance investment property financing Bridge and short-term acquisition financing Ground-up construction financing Rehabilitation and renovation financing Rental portfolio financing Cash-out and rate-and-term refinancing Multifamily property financing Land and lot financing, where available Foreign national investor programs, where available
What We Consider Depending on the program, evaluation may include property value, purchase price, renovation budget, projected after-repair value, rental income, debt service coverage, borrower experience, credit profile, liquidity, entity structure, guarantor strength, and the proposed exit strategy.
For Fix-and-Flip Investors Move from acquisition to renovation with a financing structure designed around an investment project. Be prepared to provide the purchase contract, scope of work, renovation budget, project timeline, entity documents, and information about comparable experience.
For Rental Property Investors
Explore long-term financing based on eligible rental-property cash flow and other program criteria. Options may be available for individual properties or portfolios, subject to underwriting and applicable guidelines.odayy ,s,tFor Builders and Developers Financing may be available for eligible ground-up residential and select development projects. A complete request should include plans, permits or status, budget, timeline, contractor information, land details, comparable projects, and a clear repayment or sales strategy. Let's discuss Your Property Scenario today .
Funding Capital to Help Your Business Operate, Adapt and Grow-
Businesses need capital for different reasons and at different stages. Some need working capital to manage cash flow. Others are ready to purchase equipment, add inventory, fulfill a contract, renovate a location, acquire another company, or invest in expansion. We help eligible business owners explore funding options based on their goals, operating history, revenue profile, credit factors, and ability to repay.
Potential Uses of Funds Working capital and cash-flow support Equipment and vehicle purchases Inventory and supply purchases Marketing and customer acquisition Expansion, renovation, or new locations Contract and purchase-order needs Technology and operational improvements Business acquisition or partner buyout Debt restructuring or consolidation, where appropriate Emergency and opportunity-based business needs
Potential Funding Types Business term loans Business lines of credit Equipment financing Revenue-based financing Invoice or accounts-receivable financing Purchase-order financing SBA-related financing through eligible providers Commercial real estate financing for owner-users Other specialty programs, subject to availability Prepare for a Stronger Review A well-prepared request helps funding providers understand the business and make a timely decision. Applicants may be asked for business and personal identification, ownership details, bank statements, financial statements, tax returns, debt schedules, formation documents, revenue reports, contracts, invoices, equipment quotes, and a concise explanation of how funds will be used. Request Business Funding .