American Finance & Investment

What American Finance & Investment does

American Finance & Investment Co., Inc. (AFIC) is a privately held Texas corporation founded in July 1946 in El Paso by 14 local businessmen that operates as an on-book private (hard money) real estate lender. The company originates seven discrete loan products — Revolving Credit Line, Equity Cash-Out, Refinance, Second Liens, Acquisition, Development, and Equity — secured against Texas commercial and residential real estate spanning investor SFR, multifamily, office, retail, warehouse, self-storage, hotel, and vacant land. An affiliated Property Tax Loans offering is hosted on a separate domain (afic.co), and AFIC also operates a commercial property development and management arm that owns and manages retail centers, the AFIC Office Building, and a Santa Teresa, New Mexico retail/office property.

AFIC distributes and underwrites loans through a Squarespace-hosted website (afic1946.com) featuring dedicated SEO landing pages for each of 15 Texas markets, supported by direct phone outreach, Google Ads and Facebook paid acquisition, CallRail call-tracking, and Zendesk chat on the property-tax subdomain. The standardized electronic workflow targets a 5-minute quote turnaround and a 15-day funding timeline. Loan servicing is delivered via Applied Business Software's "The Mortgage Office" platform, accessible to borrowers through the BorrowersView Central portal (companyid=AMF). The firm's competitive positioning emphasizes 75+ years of continuous Texas operation, family-owned identity, direct decision-maker access, and willingness to lend on collateral types and structures (office, hotel, raw land, B/C multifamily, second liens behind existing first mortgages) that depository institutions have pulled back from post-2022.

Revenue is generated primarily through usage-based interest on the on-book loan portfolio — the Revolving Credit Line accrues interest only on drawn balances — supplemented by origination and closing fees and rental income from AFIC-owned commercial real estate. Pricing is quote-based with no public rate sheet; the company markets fixed or floating rates and interest-only payment mechanics. The customer base spans SMB and mid-market Texas real estate investors, property owner-operators, and external loan brokers, served through direct-to-consumer and broker channels. AFIC maintains two physical offices (El Paso HQ at 2211 E. Missouri Avenue and Austin regional at 8140 N. Mopac Expressway), reports 1–10 employees, and references "active subsidiaries" on its homepage without naming them — a material data gap.

Name

American Finance & Investment

Legal name

American Finance & Investment Co., Inc.

Website

https://afic1946.com

Company type

Private

Founded year

1946

Operating status

Operating

Headcount range

1–10 employees

Short description

American Finance & Investment (AFIC) is a Texas private hard money real estate lender founded in 1946 in El Paso that originates loans secured by Texas real estate for individual investors, owner-operators, and external loan brokers across 15 state markets.

Ownership category

akta.pro rank

Product category

Private Real Estate Lending

NAICS

Other Financial Investment Activities (5239), Other Investment Pools and Funds (5259)

SIC

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

akta.pro primary industry

Middle-Market Lending (FSANADAI)

akta.pro secondary industries

Debt & Structured Finance / Mortgage Brokerage (BPAJABAK), Real Estate Capital Markets Advisory (Debt/Equity Placement, Refinancing) (BPAJANAE), Real Estate (Commercial Property, REITs) (FSABACAH)

Keywords

• Private real estate lending
• Hard money loans
• Revolving credit lines
• Commercial property loans
• Bridge financing Texas

Headquarters

HQ city

El Paso

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Interest on hard money / private real estate loans: Primary revenue stream from interest charged on revolving credit lines, equity cash-out, refinance, acquisition, development, and 2nd lien loans secured by Texas commercial and residential real estate. "Pay interest when you need the money, not when you don't" indicates interest accrues on drawn balances only for the line of credit product.
2. Loan origination & closing fees: Implied one-time fees charged at loan closing for acquisition, refinance, development, and equity loans (standard private-lender convention; not explicitly disclosed on the public site).
3. Property tax loans (referral to afic.co): Property Tax Loans product line linked to a separate domain (afic.co), suggesting an additional lending stream beyond the core mortgage products surfaced on afic1946.com.
4. Commercial property ownership & management: AFIC develops, redevelops, owns and manages commercial real estate including retail centers, the AFIC Office Building, and a retail/office property in Santa Teresa, NM — generating rental income alongside the lending business.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels8 records

Core offering

AFIC is a private Texas hard-money real estate lender that originates and services on-book loans secured by Texas investment property. Its product portfolio spans revolving credit lines, equity cash-out, refinance, second liens, acquisition financing, development loans, and equity investments, delivered through a sales-led direct-to-borrower and broker channel with a 5-minute quote / 15-day funding target. The company also develops, redevelops, owns and manages a portfolio of commercial real estate (retail centers, the AFIC Office Building, Santa Teresa property) as an adjunct to its lending business.

Product overview

American Finance & Investment Co., Inc. (AFIC) is a Texas-based private / hard-money real estate lender founded in 1946 that delivers its offerings as a single lending platform built around a portfolio of discrete loan modules — Revolving Credit Line, Equity Cash-Out, Refinance, Second Liens, Acquisition Financing, Development Loans, and Equity — each tailored to a distinct borrower scenario and secured against Texas commercial or residential real estate (Investor Residential, Multifamily, Office, Retail, Light Industrial & Warehouse, Self Storage, Hotel, and Vacant Land). Origination and underwriting is supported by the borrower-facing Borrowers View Central loan servicing portal, while commercial development and property management of AFIC-owned assets is operated through the in-house AFIC Commercial Development & Property Management arm, and an affiliated Property Tax Loans offering is linked to the afic.co domain.

Differentiator

Problem solved

Functional benefit

Products and services

• Revolving Credit Line Revolving lines of credit secured by Texas real estate collateral; borrower pays interest only when funds are actually drawn, with fixed or floating rate options and reusable draws over time. Targeted at seasoned real estate owners and operators who want liquidity without recurring closings.
• Equity Cash-Out Cash-out loan product reserved for seasoned owners at lower loan-to-value ratios, allowing the borrower to extract equity from an owned property while retaining ownership.
• Refinance Refinancing of existing property encumbrances for borrowers seeking a fresh start, different terms, or relief from a distress situation.
• Second Liens Junior-lien financing behind an existing first mortgage, allowing the borrower to retain attractive first-lien terms while accessing additional capital from AFIC.
• Acquisition Financing Mortgage financing for the purchase of investment property, structured for transparent and smooth transaction closings on Texas real estate.
• Development Loans Mortgage financing for property development and redevelopment projects, offered by a lender with direct development experience.
• Equity Equity investment and capital-raising support for property acquisitions, redevelopments, and development projects.
• Property Tax Loans Property tax loan offering hosted on the affiliated afic.co domain, accessible via the Property Tax Loans navigation link on the main AFIC site.
• Borrowers View Central Online borrower account portal for AFIC loans providing account access, loan information, payoff requests, and ongoing loan servicing; powered by Applied Business Software's The Mortgage Office.
• AFIC Commercial Development & Property Management In-house commercial property development, redevelopment, and management arm operating AFIC-owned retail centers, the AFIC Office Building, and a retail/office property in Santa Teresa, New Mexico.

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature4 records

Partnerships

One partnership is on record.

• Applied Business Software (The Mortgage Office)coreTechnology or IntegrationApplied Business Software's "The Mortgage Office" platform powers AFIC's borrower-facing loan servicing portal at borrowersviewcentral.com (companyid=AMF), providing online account access, payoff requests, and ongoing loan servicing infrastructure. AFIC's servicing contact ([email protected], 915-955-9595) routes through this vendor's stack.

Scale indicators6 records

Recent moves5 records

Expansion highlights6 records

Regional players

• Tricon Residential: Single-family rental operator and financier with significant Texas SFR exposure. Comparable as a counterparty and potential capital partner in the Texas SFR investor segment that AFIC finances, though operating as a principal/operator rather than a lender.
• Veritex Community Bank: Texas-headquartered commercial bank with a strong CRE and commercial banking franchise across Dallas, Houston, and other Texas metros. Comparable as a Texas CRE lender competing for overlapping borrower segments, though operating as a regulated depository rather than a private/hard money lender.

Emerging players

• CrowdStreet: Online CRE investment and lending marketplace connecting investors with private real estate opportunities. Comparable at the segment level as a private real estate capital provider, though operating a marketplace model rather than AFIC's on-book balance-sheet lending.

Broad incumbents

• Benefit Street Partners: Private credit affiliate of Franklin Templeton with real estate debt strategies lending against CRE assets. Comparable as a real estate private credit competitor, but operating at institutional scale and primarily serving sponsors rather than individual investors.
• PCCP, LLC: Institutional private credit manager with a real estate debt platform financing middle-market and transitional CRE. Comparable as a real estate private credit provider, though at materially larger scale and institutional sponsor orientation than AFIC.

Direct peers

• Roc Capital: Private real estate lender (formerly Newfi Wholesale) offering bridge, fix-and-flip, and DSCR rental products. Comparable as a non-bank direct lender serving real estate investors with speed-focused execution.
• Visio Lending: Private lender offering rental portfolio and single-family rental financing to real estate investors. Comparable to AFIC's revolving/portfolio-based approach to financing investor SFR and small multifamily.
• Anchor Loans: Direct private/hard money lender for real estate investors with bridge, fix-and-flip, and rental products. Comparable as a balance-sheet-funded private CRE lender competing for similar investor borrowers.
• Lima One Capital: National private/hard money lender focused on residential and multifamily real estate investors with fix-and-flip, rental, and new construction loan products. Closely comparable to AFIC's on-book, speed-oriented lending model against investor-owned residential and multifamily properties.
• Kiavi: Private real estate lender (formerly LendingHome) providing bridge and fix-and-flip financing to real estate investors. Directly comparable as a non-bank private CRE/investor residential lender competing for the same Texas investor segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/AFIC_Inc
• Facebookfacebook.com/AFIC.Inc
• LinkedInlinkedin.com/company/american-finance-investment-co-inc

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about American Finance & Investment