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Business-purpose credit lines from $25,000 to $150,000, secured by non-owner-occupied investment property equity. AI-prepared. Banker-decided. 48-hour decisions.

Apply for a line → Capital partners
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Private credit market
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Average decision
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Parcels in data layer
Texas
Market focus
The Problem

Small real estate investors have equity, deals, and experience — but no real access to fast capital.

Banks

Slow. 3-week underwriting. Paperwork-heavy. Won't lend on investment property at speed.

Hard money

One-off deals. Expensive. Relationship-dependent. No reusable line.

Credit cards

Unsecured. Low limits. Wrong product for real estate.

The market needs reusable capital, underwritten fast, priced fairly. Until now there's been no operator.

The Operating System

AI prepares the file. A banker makes the decision.

  • Borrower applies online in 5 minutes (bilingual)
  • AI extracts mortgage statement, deed, insurance, tax data in 30 seconds
  • Underwriting engine calculates stressed CLTV, runs risk flags, scores 0–100
  • Senior credit officer reviews the AI-prepared memo, makes the final call
  • Capital partner receives a clean, lender-ready memo within 48 hours
APPLY
EXTRACT
UNDERWRITE
REVIEW
MEMO
FUND
Real Operating System

This isn't a deck. It's a live platform.

Real signals from Texas parcel data, market velocity, and the active lending pipeline.

Live intelligence feed
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Active deals in pipeline
LIVE
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Texas parcels indexed (HCAD + MCAD)
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Maximum line size
Product Terms

Conservative box. Honest pricing.

Limits

Line size$25,000 – $150,000
Term6–18 months
First drawUp to $25,000
Property typeNon-owner-occupied SFR, small multifamily, townhouse, condo
Lien positionFirst preferred; second considered
Maximum CLTV65% first lien · 55% second lien (stressed value)

Cost + Flexibility

Origination2% at close
Rate13.99% – 17.99% (risk-tiered)
PaymentsMonthly interest-only
MaturityBalloon at maturity
Reusable drawsRepay, draw again
Prepayment6-month minimum interest

All loans subject to title, insurance verification, personal guarantee, and final underwriting approval. Business-purpose only. Texas focus. Equal opportunity lender.

Borrower Profile

Who we fund

Experienced operators

2+ completed investor transactions. BRRRR, flips, rentals, small multifamily.

Real collateral

Non-owner-occupied investment property with verifiable equity. Title clean. Taxes current. Insurance active.

Clear exit

Refinance to DSCR product. Sale at completion. Rental income hold. Repeat deal cash flow.

Who we don't fund: Owner-occupied homestead. Raw land. Heavy ground-up construction. Tax-delinquent properties. Borrowers without real estate experience.

Cross-Border Capital
0%
Texas share of US Mexican-buyer transactions
$0K
Average Mexican buyer transaction in Texas
0%
Mexican buyers who pay all cash

Built for Texas + LATAM.

We're the bilingual operator of choice for cross-border real estate capital. Full Spanish-language workflow. Mexican entity-friendly. FIRPTA-aware. Built by an originator with 20 years in cross-border real estate finance.

Sources: NAR International Report, Texas Realtors International Report, 2025

Capital Partners

Deploy capital into clean, underwritten Texas real estate-backed credit.

Why partner with GCC
  • Proprietary data layer: 1.6M HCAD parcels, 247K MCAD parcels, live AVM
  • AI-prepared lender-ready credit memos in 48 hours
  • Conservative CLTV discipline — never more than 65% stressed first lien
  • Match engine routes deals to your specific box
  • Transparent reporting and risk monitoring
Target capital sources
  • Self-directed IRA holders (Quest Trust pattern)
  • Family offices
  • Private credit funds
  • Strategic real estate operators
Who Built This

Built by a 20-year originator.

Global Collective Capital was founded by a Texas-licensed real estate professional with 20 years originating real estate-backed credit at one of Texas's largest banks. The platform combines proprietary hyperlocal data, AI document analysis, and conservative banker-grade underwriting — built specifically for the small investor market that institutional lenders overlook.

Texas-licensed
20yr real estate origination
Business-purpose lending
Conservative CLTV discipline
Questions

FAQ

Average 48 hours from complete application to credit decision. Conditional approval can be same-day for clean files.
Mortgage statement, deed, hazard insurance declaration, current property tax statement. LLC documents if applying via entity. We accept PDFs and photos.
No. All loans are business-purpose, secured by non-owner-occupied investment property only. We do not lend against homestead property.
For larger deals we can structure cross-collateralized positions or route to capital partners with higher limits. Submit the application — we'll respond with options.
2% origination at close. Interest rate 13.99% – 17.99% depending on borrower profile, property, and lien position. Monthly interest-only. Balloon at maturity. Reusable line — repay and draw again without re-origination.
Texas residential investment property. Houston, Austin, Dallas, San Antonio, and surrounding markets. We have deepest data coverage in Harris and Montgomery counties.
Yes. Full bilingual workflow from application to closing. Mexican entity structures and cross-border situations handled directly.

Capital should move at the speed of opportunity.

Submit a deal in 5 minutes. Decision in 48 hours.

Apply Now →