Term: Up to 9 months
Loan amount minimum: No Minimum
LTV: Up to 75% of the after-repair value
Down Payment: As low as $5,000 down for properties less than $150K
Fico: No Fico required for Lubbock Properties
Property Types: Non-owner occupied 1-4 Family Residential, Real Estate; Condos; Townhomes; Multi-Families; Mixed-Use Properties
Lubbock Market
Lubbock's housing market is full of opportunity—and with the right funding, you can capitalize on it. Our Fix and Flip Loans are built for local investors who are ready to purchase, renovate, and resell properties quickly and profitably. Whether you're flipping in Tech Terrace, Clapp Park, or anywhere in between, we’re your trusted partner for real estate investment success.
By focusing on the project’s potential rather than the borrower’s personal finances, these loans enable quick acquisitions, efficient renovations, and profitable sales, making them ideal for experienced investors in the fix & flip market.
Why Pinnacle
Pinnacle Commercial Lending gives Lubbock investors the speed, flexibility, and reliable funding they need to close fast and flip with confidence. With high leverage, competitive rates, and local market expertise, we make every stage of your project smoother and more profitable.
Same-day approvals and the ability to close in under 7 days.
Lower rates than traditional banks offer for investor loans.
Clear interest rates, points, and no hidden junk fees.
Combined 35 plus years in real estate investment and lending.
About Us
Pinnacle Commercial Lending is the premier hard money lending partner trusted by Real Estate Investors across West Texas.
As a leading Lubbock hard money lender, we focus on the potential of your deal—not traditional banking requirements. Our fix and flip program is built for investors who need speed, flexibility, and common-sense underwriting.
How we work
The level of professionalism and personalized service we received was exceptional. Their ability to understand our unique financial needs has helped us stay ahead of the competition. We saw considerable growth in our financial stability within just six months.
Founder, Lewis Consulting
Thanks to their expert guidance, our financial operations have improved dramatically. The team at Auditly helped us streamline our budget and implement strategies that have led to a significant increase in profits over the past year. We’re excited about the future!
CEO, Parker Enterprises
Their financial expertise transformed the way we approach budgeting and investments. With their strategic insights, we optimized our cash flow and improved overall financial efficiency. Within a year, we saw a significant boost in revenue and business growth.
CEO, Horizon Group
From day one, their team took the time to understand our business model and client base, allowing them to craft financial strategies that aligned perfectly with our goals. As a result, we strengthened customer relationships and achieved a 90% client retention rate.
COO, Elevate Solutionsses
Financial strategies Auditly helped us pinpoint inefficiencies our operations. By optimizing our expenses and implementing smarter budgeting solutions, we successfully reduced operational costs by 20% while maintaining high-quality service and profitability.
Founder, Nova Enterprises
Before working with them, we struggled with complex financial processes that slowed our operations. Their expert guidance allowed us to simplify workflows and improve overall efficiency by 40%. Now, we make faster, data-driven financial decisions with confidence
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Director, Prime Innovations
Our Service Area
We provide fast, flexible hard money loans to real estate investors and property owners across West Texas. From growing cities to surrounding communities, we’re here to help you secure the capital you need to succeed.
Get started today
Don’t let funding hold you back. Get started today and turn your next property into a profitable flip.
