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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!

GET FUNDING TO ACQUIRE YOUR NEXT INVESTMENT

Borrower Success

Results That Build Reliability & Respectability

5 Star Reviews
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Lender Since 2012

Tekena WestTekena West
03:08 14 Jun 24
Working with Ernest Powell at Catalyst on my hard money loans has been a delight. Catalyst closes swiftly unlike other hard money lenders. If you're a real estate investor seeking funding, Catalyst is your perfect choice.
Ian LewisIan Lewis
11:24 13 Jun 24
Specifically told an officer not to run my credit because I only needed some basics quotes. After the horrible customer service I received I spoke with the owner and was told I'd get a better rate for my issue of my credit being ran after Specifically telling the officer not it was done anyway and the kicker they were referred by a real estate company whom I will let know and anyone I cone in contact with about my horrible experience and still didn't get the loan when I had multiple lenders offering. It's a lot of lending companies out that I would use because Catalyst has awful customer service.
Sheri JonesSheri Jones
14:42 24 May 24
Chris W. was the loan officer we dealt with on our last deal and he was great to work with. Very good at communicating and getting back to me promptly.
Perri LawrencePerri Lawrence
18:18 19 May 24
Jonathan Hicks did an excellent job helping us close on our rental property! The hard money process was super easy and the lender was super flexible and responsive.
NatAndSerge MoskaletsNatAndSerge Moskalets
05:10 04 May 24
Exceptional customer service throughout the entire process. Thank you Johnathan Hicks and team! We look forward to working with you again and again!
Kara HolubKara Holub
17:16 01 May 24
We worked with Chris Williams and I could not have been more pleased. This was our first home investment and he walked me through everything and was ALWAYS available to answer my questions! Highly recommend using Them
Ivan LIvan L
02:57 30 Apr 24
I am delighted to share my experience working with Chris Williams, my lender, throughout the process of purchasing my property. From the outset, Chris demonstrated an exceptional level of professionalism, expertise, and genuine care that truly set him apart.Chris went above and beyond to ensure that every aspect of the mortgage process was smooth and efficient. His attention to detail and proactive communication kept me informed at every step, alleviating any concerns I had along the way. Despite the complexities that often accompany such transactions, Chris navigated them effortlessly, always providing clear explanations and guidance.What truly stood out to me was Chris's unwavering dedication to finding the best possible solutions tailored to my specific needs and circumstances. He took the time to understand my financial goals and worked tirelessly to secure the most favorable terms for me. His commitment to going the extra mile did not go unnoticed and is greatly appreciated.Thank you Chris, I couldn't have asked for a better experience. I wholeheartedly recommend Chris Williams to anyone in need of a dedicated and reliable lender. His exceptional service truly deserves five stars. Mahalo & God Bless Ivan Lopez
Phil TaylorPhil Taylor
14:39 16 Apr 24
Had a great funding experience with catalyst. They were easy to work with and quick with closing. Earnest was very helpful and transparent with everything. Thank you very much Earnest Powell and Catalyst.
Abe LopezAbe Lopez
18:09 22 Mar 24
It was a pleasure working with Casey on my first investment purchase. He and his team made the process simple and easy, and they were always available for any questions I had. I definitely recommend Casey Cummings and teams with Catalyst Funding. I will be looking forward to our next deal.
PAUL NAGYPAUL NAGY
17:41 14 Mar 24
Jonathan (and Catalyst Funding) were a pleasure to deal with. Not only was everything handled professionally and with a strong attention to detail but jonathan made the process “seamless and easy.” I would highly recommend Jonathan and Catalyst Funding to anyone looking for their hard money lending needs.
Jim CounceJim Counce
13:42 13 Mar 24
Chris Williams with Catalyst Funding was very professional and efficient in completing our loan process for our first investment property. It was a pleasure to work with Chris. He guided me every step of the way through the document signing process and answered all of my questions. I would highly recommend Catalyst Funding and plan to do business with them again.
Brett WestBrett West
17:25 12 Mar 24
Casey is the best! He worked with me on securing a HM loan for my first investment property. He thoroughly answered all of my questions teaching me a lot I didn't know. He always makes sure to touch base throughout the whole process insuring I had no questions or doubts. I would highly recommend Casey Cummings and Catalyst Funding as a whole. Casey/Catalyst are definitely on my team now and I feel very confident in working with them in the future.
Nerissa JewettNerissa Jewett
23:36 03 Mar 24
Earnest Powell was patient and answered all of my questions. He helped in making the process easy.
Kyle MasonKyle Mason
22:07 29 Feb 24
Jonathan Hicks was a massive help walking me through the loan process on a rental that I just finished up rehabbing. With the DSCR loan that he worked for me I ended up getting a cash out refi of $41,000 plus dollars! Amazing! I highly recommend Jonathan. I will be doing another loan with him soon.
Azhary O ElseedahAzhary O Elseedah
19:45 29 Feb 24
Jessica and Catalyst Funding team has been exceptional, professional and knowledgeable when it comes to HM loans. I have used them for all of my properties and they always go above and beyond in helping the me on every acquisition. I would recommend anyone looking for a trustworthy lender to use Catalyst Funding.
Paty Vasquez-McKinziePaty Vasquez-McKinzie
01:49 24 Feb 24
⚠️PROCEED WITH CAUTION ⚠️ Consider this review a CLEAR cautionary message for any investor contemplating Catalyst Funding as a hard money resource!!!!!!It appears that Catalyst Funding may be experiencing financial difficulties, as they seem unable to fulfill their financial obligations based on a previous review. This situation compounds the already problematic breach of our agreement terms.I too am deeply dismayed by Catalyst Funding's recent breach of our agreement terms. When my husband and I entered into a contractual agreement, we expected for them to be held accountable for what was agreed upon. Unfortunately, my experience has and is highly unsatisfactory.Despite the clear terms of our agreement, Catalyst Funding also failed to fulfill its obligation of releasing draw funds for completed work!!! We placed all of our trust on the signed agreement, to only feel that it means absolutely nothing to them. Because of this action, the potential financial instability has us considering further actions to address this matter.***RESPONSE TO YOUR MESSAGE BELOW***It's incredibly frustrating and frankly unacceptable that you've chosen to withhold funds not just for the electrical portion due to the city systems issue, but withholding funds for other completed aspects of the project violates our agreement. This blatant breach of our agreement is causing significant delays and financial strain on our end. Furthermore, your mention of a 'subject to change' clause during our call has left me deeply concerned. I demand clarity on where this clause is outlined, as I've thoroughly reviewed our payoff procedures agreement, which explicitly states that Catalyst Funding doesn’t require permits. This lack of transparency and failure to adhere to contractual terms is seriously jeopardizing our trust and the success of this project. This is why we've chosen to make our concerns public. It's crucial for every investor to grasp the nature of your business practices, lack of integrity, and to exercise caution before engaging further.
Jonathan Hicks was so patient and efficiency with my loan being a first time investor! GREAT SERVICE!
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!
musicmaniam2009musicmaniam2009
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
G DG D
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.
A CA C
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!
JASON MCKINZIEJASON MCKINZIE
20:38 15 Sep 22
ATTENTION: I hope this review is a clear WARNING TO ALL INVESTORS CONSIDERING Catalyst Funding as a hard money resource‼️I am deeply disappointed by the recent breach of agreement terms by this organization. As a customer, I entered into a contractual agreement with the expectation of mutual respect and adherence to the terms outlined. However, my experience has been far from satisfactory.Despite our clear agreement, Catalyst Funding failed to uphold its end of the bargain on releasing funds for completed items from scope of work. This violation not only undermines the trust I placed in this company but also has significant negative repercussions for me personally as an investor.I urged Catalyst Funding to take immediate action to rectify this situation and honor the terms of our agreement. Not only did they fail to do so, but a call to the CEO Wade Comaeux, had the audacity to say I should have read the fine print where it states they can make changes at any point during the transaction. This has compelled me to explore further actions to address this breach.
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.
YakinFelixYakinFelix
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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