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
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
Joe and Kevin at Pinnacle are truly intuitive in the lending world. They have been pivotal to our real estate journey in Lubbock, Texas, consistently offering solutions that align with our goals and allowing us to expand our investments in creative ways.
Wezt Capital
From the very beginning, it was evident that their approach to lending was not just transactional, but relationship-driven. Their deep understanding of the real estate investment market, combined with a genuine commitment to the success of their clients, sets them apart as industry leaders.
Wezt Capital
Great folks to work with. We’ve done business with them for years and highly recommend this company.
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.
