Longhorn Investments

What Longhorn Investments does

Longhorn Investments (legal entity: Longhorn III Investments, LLC) is a direct private hard money lender founded in 2008 and headquartered in Dallas, Texas, providing short-term acquisition and renovation capital to residential and commercial real estate investors across 11 U.S. states. The company underwrites loans on the basis of property After Repair Value (ARV) rather than borrower creditworthiness, offering up to 70% of ARV and up to 100% of acquisition-plus-renovation costs, with typical closings in 3-5 business days and terms of 6-12 months. Since inception the company has funded more than 12,080 loans totaling over $2.3 billion in cumulative volume. Its customer base consists of small and mid-market real estate investors pursuing fix-and-flip, new construction, and BRRRR (Buy-Rehab-Rent-Refinance-Repeat) strategies; no large institutional borrowers are referenced.

The underlying platform combines an online application portal with Floify-powered document submission and pre-qualification workflows, and a draw request system that integrates with Sitewire for same-day virtual inspections, GPS/sensor verification, and automated workflows. Revenue is generated from two streams: interest charged on loan principal at rates typically ranging from 7.5% to 15% (standard) and as low as 10.99% for Loyalty Program members, plus upfront origination points that begin at 1.99 for repeat borrowers. The go-to-market is sales-led through a distributed network of 30+ loan consultants and regional managers deployed across 11 states, supported by content marketing (educational blog, Flip the Script podcast, YouTube videos, borrower case studies) and direct relationships with local real estate investor associations and broker networks. In October 2024 the company acquired Georgia-based SkyBeam Capital, and in October 2025 it entered a strategic technology partnership with Sitewire to scale draw management.

Name

Longhorn Investments

Legal name

Longhorn III Investments, LLC

Website

https://longhorninvestments.com

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

11–50 employees

Short description

Longhorn Investments is a Dallas-based direct private lender founded in 2008 that provides short-term hard money acquisition and renovation loans to small and mid-market residential and commercial real estate investors across 11 U.S. states, having funded over 12,080 loans totaling $2.3B since inception.

Ownership category

akta.pro rank

Product category

Private/Hard Money Lending

NAICS

Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)

akta.pro primary industry

Hard Money / Private Mortgage Brokers (FSALABAH)

Keywords

• Hard money lending
• Fix and flip loans
• Real estate investment financing
• Private money lending
• Bridge loan financing

Headquarters

HQ city

Dallas

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Hard Money Lending Interest: Short-term loans secured by real estate property. Revenue generated through interest charged on loan principal. Loan terms typically 6-12 months with asset-based underwriting focused on property After Repair Value (ARV) rather than borrower creditworthiness.
2. Loan Origination Points: Upfront fees charged at loan origination, typically expressed as points (percentage of loan amount). Standard rates mentioned range from 1.99% to various levels depending on borrower profile and loan type.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

Longhorn Investments is a direct private lender that provides short-term acquisition and renovation capital (hard money loans) to residential and commercial real estate investors. Core offerings include fix-and-flip loans (up to 70% of After Repair Value, up to 100% of costs, 3-5 business day closings), new construction loans with draw-based funding, and a Longhorn Loyalty Program that reduces rates for repeat borrowers. Since 2008 the company has funded 12,080 loans totaling over $2.3 billion across 11 U.S. states.

Product overview

Longhorn Investments is a direct private lender offering a unified platform of short-term real estate financing products. The core offering comprises Hard Money Programs (fix-and-flip loans) and New Construction Loans, supplemented by the Longhorn Loyalty Program for repeat borrowers. The company recently acquired Georgia-based SkyBeam Capital (October 2024) to expand its 10-state geographic footprint and technology capabilities. A partnership with Sitewire (October 2025) provides integrated virtual inspection and draw management functionality. Educational resources include the Flip the Script podcast. Loans typically close in 3-5 business days with terms up to 70% ARV and up to 100% of rehabilitation costs.

Differentiator

Problem solved

Functional benefit

Products and services

• Hard Money Programs Short-term private money loans for real estate investors providing acquisition and renovation capital for both residential and commercial assets. Offers up to 70% of After Repair Value (ARV), up to 100% of cost financing, interest-only payments during loan term, no income requirements, no pre-payment penalty, and closes typically in 3-5 business days. Encompasses fix-and-flip financing.
• New Construction Loans Short-term construction financing for ground-up building or complete rehabilitation projects. Funds are distributed via draws/phase payments as construction milestones are met, with third-party inspector verification. Designed for investors building new residential properties for sale or rental, including build-to-rent strategies.
• Longhorn Loyalty Program Rewards program for borrowers who have successfully paid off three deals with Longhorn Investments in good standing. Provides reduced interest rates starting at 10.99% and origination fees as low as 1.99 points, creating switching costs and incentivizing repeat financing relationships.

Quantifiable outcome

• Close loans in 3-5 business days
• +8 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature3 records

Partnerships

Two partnerships are on record, tiered core.

• SitewirecoreTechnology or Integration · 22 October 2025Strategic technology partnership with Sitewire delivering same-day virtual inspections and streamlined draw management for renovation projects. Sitewire provides licensed general contractor verification of construction progress, automated workflow management, and consolidated draw processing. The partnership enables 10x faster approvals and 5x team productivity improvements with GPS/sensor verification and parcel geometry checks for reduced risk.
• SkyBeam CapitalcoreStrategic or Co-development Partner · 1 October 2024Georgia-based SkyBeam Capital was acquired and integrated into Longhorn Investments operations effective October 2024. The merger combined SkyBeam's innovative approach with Longhorn's extensive experience in financing renovation projects. The integration expanded Longhorn's geographic reach to include Georgia markets (Atlanta, Columbus), strengthened the team with experienced consultants like Kayla Hedgren, and enhanced services for property investors and professional renovators. The combined entity operates under the Longhorn Investments name with expanded 10-state service network.

Scale indicators6 records

Recent moves7 records

Expansion highlights6 records

Emerging players

• Fund That Flip: Online marketplace and direct lender for fix-and-flip projects, blending fintech origination with institutional capital. Overlaps with Longhorn's fix-and-flip segment but emphasizes digital channel versus Longhorn's consultant-driven model.
• Groundfloor: Real estate crowdfunding platform that originates fix-and-flip loans from individual investors. Adjacent competitor for fix-and-flip capital with a marketplace business model differing from Longhorn's balance-sheet lending.

Direct peers

• RCN Capital: National private money lender providing short-term bridge and rehabilitation loans for residential investors. Directly comparable product offering and SMB investor customer base to Longhorn.
• CoreVest Finance: Institutional lender to residential real estate investors offering fix-and-flip and rental loans. Competes with Longhorn in the same investor segment with a more capital-markets-backed balance sheet.
• Lima One Capital: Private lender offering fix-and-flip, new construction, and rental portfolio loans to real estate investors. Comparable to Longhorn across both short-term renovation financing and rental/BRRRR use cases.
• Anchor Loans: Large California-headquartered hard money lender focused on fix-and-flip financing for professional real estate investors. Direct competitor in private lending for renovation projects with comparable ARV-based underwriting.
• Visio Lending: Specialty lender providing portfolio rental loans to real estate investors using the BRRRR strategy. Comparable to Longhorn's rental/BRRRR product line within the broader investor lending category.
• LendingOne: Direct hard money lender offering short-term acquisition and renovation financing for residential fix-and-flip investors. Closely comparable to Longhorn in target customer, loan structure, and growth-stage scale.
• Kiavi (formerly LendingHome): One of the largest online hard money lenders in the U.S., specializing in fix-and-flip and rental loans for real estate investors. Highly comparable to Longhorn in product mix (ARV-based underwriting, fix-and-flip focus) with a more institutionalized digital platform.

Broad incumbents

• NewRez: Large non-bank mortgage company offering a range of investor and DSCR loan products alongside its mainstream agency lending. Overlaps with Longhorn in serving real estate investors but as part of a much broader origination franchise.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/LonghornLending

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Longhorn Investments