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Real Estate Lending Built
By Real Estate Investors

Catalyst Funding is your One-Stop Shop for Hard Money & Permanent Financing Loans

Your One Stop Shop for Real Estate Investing!

Catalyst has a solution for every strategy and for every step of the real estate investment process...

Hard Money Loans

Purchase and Repair Distressed Real Estate


Leverage Your Cash to do more Deals


Second set of eyes on your deal


100% Financing Available - No LTC requirements


Fast Closings - 7 Days or Less


Conventional Loans

Unique Short-term rental option

Expertise in Analyzing Complex Tax Returns

We Close Conventional Deals others Will Not

Ability to Finance Several Deals at Once

Cash-out Loans to Fuel Your Real Estate Investing

Non-Conventional Loans

Up to 80% LTV

Borrow in LLC or other Entities

Make room for more Conventional Loans

No Income Docs Required

Easy VRBO / Airbnb Qualification

Why Choose Catalyst?

  • With the widest range of investor-specific loan products available, we can do a lot more than the competition!

  • You get a dedicated loan officer and processor by your side throughout the process, even if you are closing multiple loans.

  • We lend Hard Money throughout Texas, in every metro area and in rural counties too!

  • We have long term loan products available in all 50 states!


Borrower Success

Results That Build Reliability & Respectability

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5 Star Reviews

Lender Since 2012

Robert KennonRobert Kennon
18:49 13 Feb 24
Thanks to Jessica , helping my client get financing on 2 investment properties. Catalyst definitely move with speed!!
Admin Texas Homes REIAdmin Texas Homes REI
19:38 31 Jan 24
Great lender. Closed in 7 days. Everyone making money with Catalyst
Nick ManfrediniNick Manfredini
23:02 26 Jan 24
Catalyst was excellent to work with for the recent investment property that I purchased. Jonathan Hicks was my loan officer and he was enjoyable to talk to and extememly helpful. He helped get me a great appraisal and navigated me through my first hard money/conventional bridge loan with quick turnarounds! It was a great process overall.
Frank CFrank C
14:07 04 Jan 24
Excellent service. Very responsive and informative. Hope to continue closing deals with Chris Williams and Catalyst Funding.
Dave AlarconDave Alarcon
03:21 30 Dec 23
Attentive, efficient and kept me informed each step of the way. Many thanks.
Austin NicosonAustin Nicoson
23:17 05 Dec 23
Excellent experience for my first deal!Cameron communicated very well in helping me understand the process of utilizing short-term financing to achieve my investment goals. It took only 8 days from contract signing to closing, and I will certainly be working with Catalyst for all projects moving forward.Check them out!
Alex CardenasAlex Cardenas
17:07 21 Nov 23
Without a doubt, Catalyst Funding LLC has played a pivotal role in our success as real estate investors. Their expertise, promptness, and flexibility have consistently exceeded my expectations, making them an indispensable partner in our investment journey. I highly recommend their services to anyone seeking a reliable and experienced hard money lender.
Sam SesaySam Sesay
17:10 16 Nov 23
Loved working with Michelle at Catalyst, great communication with timely responses
Mohammad NajarMohammad Najar
16:27 08 Nov 23
Michelle is the number one professional who helped me with my loan. She's very diligent, caring, and professional and communicates very quickly and effectively. She leads you through the lending process and provides great insights. Highly recommended.
Faith GraceFaith Grace
18:34 31 Oct 23
Great experience with a great company!!!!
isaiah flanaganisaiah flanagan
00:45 18 Oct 23
Chris Johnson was great! He answered the phone every time a call, and answered all of my questions. He made this process very smooth. I look forward to doing business with him in the future!
Charles ShirleyCharles Shirley
23:00 16 Oct 23
Great service. They have a program that provides a hard money loan so that you can acquire the investment property. They follow up that hard money loan with a conventional loan once the property is renovated and rented. Great work.
Bernardo NameBernardo Name
15:05 16 Oct 23
I Just worked with Chris Johnson, I had a great experience with him. Chris was responsive and fast. Working together we were able to close a quick transaction that I needed. I will definitely be working again with Chris.Thank You!
19:06 13 Oct 23
It was a fantastic experience working with Casey Cummings on my first deal with Catalyst. He went well above his responsibility. Encouraging and Experienced. Can't wait to do another deal with Catalyst because of Casey!! Greer Worldwide LLC c/o Bryant
Daniel GravoisDaniel Gravois
23:42 18 Sep 23
Well informed and shared all needed information.
Rudy SantosRudy Santos
19:57 08 Sep 23
Great and QUICK experience with Catalyst. They took care of us when time was not on our side and made a quick approval and funding possible. Will gladly be doing a lot more business together.
Roderick CrethersRoderick Crethers
17:43 01 Sep 23
I didn't put her phone number or Jacqueline Taylor or Gmail
17:30 31 Aug 23
Wow! Thought I was working with my favorite relative. Jonathan Daniels certainly was very responsive and would pick up the phone or text me as soon as I needed information. In addition, he took the lead to help me over some troublesome spots. I felt that at all times, I could reach out and have the issue resolved quickly! Definitely would use Jonathan again! Thanks!
Saif Al-IbrahimSaif Al-Ibrahim
16:35 25 Aug 23
Working with Casey Cummings at Catalyst Funding to secure a hard money loan on my first property was a great experience. Communication & service were great, especially given we were working to close with such a short deadline. I highly recommend working with Casey Cummings if you like great communication and professional service.
Moises DuranMoises Duran
21:03 05 Jul 23
I highly recommend Catalyst Funding. The service quality was truly amazing and exceptional, I can’t wait to work with them again. This is my 2nd project with Catalyst. The team is extremely knowledgeable and helpful, it is a delight to work with them. Specially Zelma, Chris, Matthew they all are very helpful …..Thank you!!
Mona PrestonMona Preston
20:18 10 May 23
Jessica Sauceda has been a pleasure to work with and has been helpful to other members of my family. This particular property came to us from her and required a quick turn around for closing.She and her team worked to make this transaction amazingly go very smooth for us. We realize this was exceptionally quick, but look forward to our future deals with Jessica and her Catalyst Funding team.
Ray MunozRay Munoz
03:58 05 May 23
Jonathan is genuine and reliable. He has helped me through every step of the investment process and was always available to receive my calls and spend as much time needed to ensure contracts closed on time. He’s the man!
Dimma WrightDimma Wright
23:38 04 May 23
Catalyst is great! Zelma is the best answers all questions and makes sure you understand it all. Catalyst is my go to for my real estate deals and clients.
Raul VelazquezRaul Velazquez
23:12 28 Mar 23
I highly recommend Jessica Sauceda! My wife and I worked with her on a few transactions now, and it is obvious that she has a lot of experience . I always know what's happening as she will always keep us informed. I have done several refinances with Catalyst Funding, and they get easier and easier every time.
The GreensThe Greens
19:03 16 Mar 23
Jonathan Hicks was the best loan officer first time investors could ask for. He was always available, always thorough, and always supportive whenever we ran into hiccups. Catalyst Funding has been assisting us for years and they are the best!
Ben LawrenceBen Lawrence
15:24 03 Mar 23
I have used Catalyst Funding now for two investment properties. Both of them were buy and hold with hard money to conventional refinance. Gerardo at Catalyst Funding worked very hard to get me the best rates he could. And when Title, the seller, or the conventional refi were taking longer than expected, Gerardo provided great customer service and very swift responses to emails, texts, and calls.
Alex HuertaAlex Huerta
20:50 03 Jan 23
David was a great loan officer. He helped my mom and I purchase our first investment property and the approval process was very much straightforward. He answered all of our questions very efficiently and walked us through the steps. Highly recommend, especially if you're a beginner investor.
Jason WrightJason Wright
04:20 31 Dec 22
Jonathan and his team at Catalyst were great! They helped me with a quick close, they were always on top of things, and communicated very well. Things went smoothly all the way through closing. I would highly recommend Catalyst to help you fund your next deal!
Charles PaulCharles Paul
21:13 29 Dec 22
I had an excellent experience with Catalyst Funding for my first personal renovation project. Jessica Sauceda is amazing and walked me through the whole process. She kept me informed and made sure I understood what was going on. I am looking forward to working with Jessica and Catalyst Funding again for my next property.
17:15 09 Dec 22
To those that read this, as an overly cautious investor I compared multiple lenders both locally and nationally before funding my latest deal, and prior to even becoming a client from start to finish, Jessica S. and the entire Catalyst team (shout outs to Trinh D. and Tina F. AKA Tina Fey) showed they not only wanted my business, they wanted to EARN MY CONTINUED BUSINESS!They offered the best terms of any lender that I consulted and their process from funding to draw was easy and straightforward. The service they offered was by far the best I have ever experienced.I'll definitely be doing more deals with Catalyst and highly recommend them to anyone as well!
Keith GardnerKeith Gardner
20:19 14 Nov 22
Starting with my first hard money deal, everything was very intimidating. David Lipnicki took the time to break everything down and allowed me the opportunity to figure out what made the most sense moving forward for myself and my family. Definitely would recommend working with him in the future!
Ken MelanconKen Melancon
18:23 25 Oct 22
Catalyst Funding, LLC. is a very professional organization that funded my investment real estate property seamlessly and expeditiously. They answered all my questions without hesitation and provided all needed information. They also followed up for quality control. Thanks to all!
Daverick IsaacDaverick Isaac
16:07 21 Oct 22
Thomas and Catalyst Funding have been great business partners to work with! They help our company immediately with funding a great investment opportunity!
20:38 15 Sep 22
I work with Thomas, he has been great! He truly understands the real estate investing space and will be a valuable resource to help you execute on any strategy. Highly recommend!!!!
Derrick AcuffDerrick Acuff
19:17 15 Sep 22
I have done several refinances with this company and they get easier and easier every time. I tried using a different lender on this last refinance and when they dropped the ball Chris with Catalyst stepped in and had me closed in less than 45 days. I can't sing there graces enough!
Theodore PatestosTheodore Patestos
02:55 15 Sep 22
Catalyst Funding was easy to work with and communicative throughout the process. I do real estate deals on the side and run my business during the day. They made it easy to get the deal done without a lot of back n forth. That allowed me to continue on focusing on my business while feeling confident my funding and due diligence needs were being met. Shout out to David and Matt for being so knowledgeable and proactive!!
Harley JacksonHarley Jackson
00:50 20 Jan 22
Did a great job beginning to end. Doc requirements were clear and no delays introduced. Also great communicators! I would finance future investment homes with them and highly recommend!
Tim PhelpsTim Phelps
16:28 23 Nov 21
My wife and I have been investing in real estate since the early 1990's and have worked with numerous lenders. Alex Garza and the Catalyst team are first rate professionals and are fantastic to work with. They were transparent and very responsive throughout our entire loan process. I don't usually make recommendations unless I have confidence someone can deliver. I totally recommend Alex and Catalyst and look forward to partnering with them again and often.
Nick ZagorskiNick Zagorski
01:09 05 Oct 21
Alex Garza got it done for me. My initial loan came back with a good but not great interest rate, and I asked him to see what he could do to get it lower. Without hesitation he greased the wheels and was able to get me an even better rate and closed quick. Ask for Alex- he’ll take care of you.
Kevin GreenKevin Green
02:30 03 Oct 21
David Lipinski is the man!! He is super knowledgeable about all aspects of the business and was able to see my deal all the way through to close in 20 days; we were delayed a bit due to a hurricane.This was the first of many flips to come with Catalyst. The whole process was a breeze, thanks to David and the rest of team there. They were all extremely professional. Not one time did I ever feel neglected. If you are looking for an honest, straight forward organization to finance your next deal, contact David and I am sure you won't be disappointed.
Brian SBrian S
20:16 20 Sep 21
As a first time VERY nervous investor Alex Garza helped me do a cash out refinance on my primary home. From the get go Alex was so easy to work with. As the process moved along I had A LOT of questions. He answered every single one without hesitation and took a lot of time to educate me on different topics. In fact, after my initial appraisal of my house we came to an agreement of my loan amount. Fast forward, after an appraiser came out it was appraised at a higher amount than the original amount and Alex was able to get me more money for investing! Friendly, knowledgeable and very comforting for a first time investor. I'll definitely be using him for real estate investments moving forward. Thank you Alex!
Arlene BlackArlene Black
16:31 03 Sep 21
David Lipnicki and his staff did a fabulous job on handling the refinancing on our primary home. We were able to close in less than 30 days at a lower interest rate, which gives us an annual savings of $4,500.David and his staff quickly addressed any questions or concerns we had and made the whole process very pleasant. I will definitely be providing his information to my friends and family.
Tom BotasTom Botas
20:03 24 Aug 21
Alex Garza was great from day one. As this was the first time I've used a hard money lender I needed a bit of hand holding. Alex explained everything, step-by-step, and was always available to answer questions. Very happy with his level of professionalism and attention to detail throughout. Would gladly use Alex and Catalyst Funding again.
Kate QiuKate Qiu
20:52 30 Jul 21
It's been an exceptional experience working with Alex Garza and his team. Alex was very helpful and responsive during the whole process. He helped me to get the best possible rate. Ashley was also extraordinary. She even worked late night to make sure I close on time. The team was very efficient. Definitely recommended.
Victoria KhripunovVictoria Khripunov
21:35 13 Jul 21
Working with Alex Garza and Catalyst has been great. They are open and honest about the loan process. the team really works well together to offer as much support as possible to help you succeed. Alex is always available and really kind to answer all my questions. I like our experience of refinance.
Edwin Ortiz FrancoEdwin Ortiz Franco
01:44 02 May 21
Working with the Catalyst team was an exceptional experience. I felt that they had my best interest in mind and they were able to secure solid financing terms. A big shout out to David Lipnicky, working with David was an exceptional experience. With his help, entire process was so much easier than expected, highly recommend. Thank you for helping me with my first project.
Mikayla & PeterMikayla & Peter
20:15 13 Apr 21
A big shout out to Alex Garza for his patience, education and expertise. Thank you for helping us get these projects off the ground. We have enjoyed working with you!
Alex was always very responsive to my messages, knowledgeable and friendly with his responses, and locked us in with a great rate!! I did grow a bit weary of all the necessary documents and time involved to get through the process, but that's no fault of Alex's. Overall it was completely worth it - we lowered our rate, shortened our mortgage, AND pulled out some cash to hopefully reinvest! Thanks for all your help! 🙂
Thomas CochranThomas Cochran
15:21 23 Mar 21
After two completed transactions with Catalyst, I can only say that they have made a complicated process extremely easy. It's great to have one point person to work with through both the hard money stage and all the way through the conventional refinance. Every single person I dealt with was great, but I have to especially recognize my main point of contact Alex for his patience and good attitude. These deals can be trying sometimes and there are always a few hiccups when dealing with a massive property rehab, but Alex was a pro throughout the process. Another highlight was the hard money inspector George. He was extremely thorough and professional and went way above and beyond the norm by treating our deal as if it were his own. I highly recommend this company.
Cathy SaenzCathy Saenz
02:06 19 Mar 21
Working with Catalyst has been great. They are open and honest about the loan process. Their website is user friendly, and the team really works well together to offer as much support as possible to help you succeed. My loan officer, Ernest Powell is always available and really listens to ideas and tells me what I need to know to stay on financial track with my goals and objectives. I highly recommend Ernest and his team for investment property loans.
Ariana Del RioAriana Del Rio
16:16 01 Mar 21
We’ve had a great experience with Catalyst Funding. Larissa Martin assisted during my loan process. She is a true professional and is always available to answer any questions. Her level of expertise made the loan process go very smooth. I would definitely recommend Catalyst Funding and its staff to help on your future real estate loans.
15:31 02 Feb 21
Very happy to finally find a hard money lender that makes our buying process a breeze. David at Catalyst really helped us get to the next level making every transaction flow as smooth as possible. I highly recommend their services.
Don DonalsonDon Donalson
22:31 05 Jan 21
Alex, we are so thankful that you are our loan officer.Thank you for the excellent care you have taken with us over the past weeks as we worked to close the refinance on our investment properties.You are easy to talk with and have been very responsive to our concerns.Thank you. You made us feel like people not just loan numbers.Don and Becky
Karen TheriotKaren Theriot
13:15 02 Jan 21
Ernest was awesome during my lending process! He was knowledgeable and always available to answer the many questions I had. I searched for many lenders and Catalyst was the lender who provided timely responses and professional services. Ernest helped educate me on the different loan types and provided the competitive cost for me to close my loan! He even offered and shared resources he knew in the real estate investment business! I will definitely work with Catalyst on my next purchase and sincerely appreciate everything Ernest did to help the process go smoothly! Thank you!!

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