Fast Private Real Estate Capital & Bridge Loans in Texas.
Transformative Capital & Strategic Growth. We provide asset-based funding for your next Fix & Flip, Rental Portfolio, or Construction project when traditional banks move too slow.
High-Leverage Private Money Solutions
Bypass the red tape of traditional banks. HEKA Capital brokers high-leverage funding—including Fix & Flip, DSCR, and Ground-Up Construction loans—designed to keep your projects moving and scale your portfolio.
Explore Our Tailored Financial Solutions Suite
Explore tailored financial solutions designed to secure your economic growth.
Fix and Flip
Up to 85-90% LTC and 100% of Rehab Costs.
DSCR (Rental Loans)
Qualify based on property cash flow (1.2 DSCR), not your personal DTI.
Ground-Up Construction (GUC)
HEKA Capital offers tailored investment loan advice and support, helping clients achieve optimal returns on property and stock investments.
Business Financing Solutions
HEKA Capital offers diverse business financing, including startup capital, expansion loans, and lines of credit to support growth at every business stage.
Testimonials
Jasmine Richards
Secured a personal loan through HEKA Capital. Smooth process, really helpful team. Later used their investment loan service—top-notch advice and support. Highly recommend!
Monica Chandler
Tried various brokers for investment and mortgage advice; HEKA Capital really stood out. Sharp insights, tailored options. Quite satisfied with the outcomes.
Thomas Krazinski
Used HEKA for a business expansion loan. Seamless process, professional advice. Definitely easier than my past experiences with other brokers.
About Us
Founded in 2026, HEKA Capital, LLC is a premier financial advisory and investment consulting firm specializing in real estate private money brokering. Our core mission: unlocking capital to fuel real estate growth. Operating out of Houston, Texas, we serve as the vital connective tissue between ambitious real estate investors and reliable private capital sources, including institutional debt funds, family offices, and private individuals. Our driving philosophy and daily operational culture are defined by a single, powerful commitment: Transformative Capital & Strategic Growth.
Our operations are led by a dedicated four-member ownership team—spearheaded by Managing Partners — and supported by a network of specialized independent contractors. What sets HEKA Capital apart is our commitment to speed, precision, and scalability. We utilize a state-of-the-art, fully automated underwriting workflow powered by advanced AI technologies. From the initial borrower intake to AI-driven document extraction, property enrichment, and capital investor matching, our tech stack allows us to process files and generate comprehensive pitch decks with unprecedented efficiency. This ensures that our clients can quickly secure the asset-based, high-leverage bridge loans, fix-and-flip funding, ground-up construction capital, or long-term DSCR loans they need to close deals in a highly competitive market.
At our core, we are consultative advisors who specialize exclusively in debt financing, empowering real estate entrepreneurs to scale their portfolios while retaining their equity and upside. We fundamentally believe that transparency is our greatest sales tool. Our brokers are ethically committed to representing the borrower's best interests, ensuring clients clearly understand the mathematical trade-offs between the cost of rates and the cost of points based on their project's timeline. By meticulously vetting deals and presenting clean, highly structured files to our lending network, we eliminate hidden fees and last-minute closing surprises, building the mutual trust necessary to secure the most competitive terms available.
Our Core Commitments:
Unmatched Speed: We leverage an end-to-end automated deal flow architecture to bypass the red tape of traditional banking, turning speed into your greatest currency.
Absolute Transparency: We eliminate the "HUD surprise" by ensuring all fees, points, and prepayment penalties are clearly communicated and optimized from day one.
Strategic Advisory: We don't just take orders; we pre-underwrite deals, calculate exact DSCR/LTV metrics, and consult with you to find the perfect loan structure for your unique exit strategy.
FAQs
Your Top Questions Answered—Streamline Your Financial Journey with HEKA.
What type of loans does HEKA Capital specialize in?
We specialize in business-purpose real estate loans, specifically designed for investors. Our primary focus includes fix-and-flip bridge loans for short-term renovation projects, ground-up construction loans for new builds, and long-term DSCR (Debt Service Coverage Ratio) loans for buy-and-hold rental properties.
What are the costs associated with your brokerage services?
We operate with full transparency as consultants, and focus on the "best overall terms" for your investment strategy rather than just the lowest rate. We ensure all fees, including our broker compensation, are clearly disclosed on the settlement statement (HUD) so there are no surprises at the closing table.
Are these loans for my personal residence?
No. All loans originated by HEKA Capital are for business purposes only. Borrowers must certify that they do not intend to occupy the property as a primary or secondary residence, and the proceeds cannot be used for personal, family, or household purposes.
What is a DSCR loan and how does it work?
A DSCR (Debt Service Coverage Ratio) loan is a popular tool for rental property investors. Instead of qualifying based on your personal income (like a traditional mortgage), we qualify the loan based on the cash flow potential of the property itself. We look at whether the rental income covers the property's mortgage, taxes, insurance, and HOA fees.
What is the difference between "Front-End" and "Exit" fees?
Front-End Fees: These are "points" or costs paid at the closing table to secure the loan. This is the industry standard for most bridge and fix-and-flip loans.
Exit Fees (Back-End): In rare, complex commercial transactions, a lender may agree to charge fees only when the loan is paid off (sold or refinanced) rather than upfront. This is not standard for residential bridge loans.
How long does the loan process take with HEKA Capital?
Because these are private, business-purpose loans, they are not subject to the mandatory waiting periods (like TRID) required for consumer owner-occupied mortgages. This allows for significantly faster closings—often in as little as 5 days to 2 weeks, depending on the complexity of the file and the appraisal timeline.
What documentation and information do I need to submit to get started?
Required documentation can vary by loan type but get a deal underwritten, we typically require:
A completed loan application and signed authorization.
An Investor Experience & Portfolio schedule.
Two months of most recent bank statements to verify liquid assets.
A fully executed purchase contract (for purchases) or mortgage statement (for refinances).
An itemized rehab budget if you are seeking renovation or construction financing.
Additional documents such as property information or investment plans may be required.
How does HEKA Capital handle my personal and financial information?
HEKA Capital adheres to strict data protection regulations and employs advanced security measures to ensure your information is secure.
Will I have to pay a Prepayment Penalty?
Prepayment penalties are common on long-term DSCR loans because lenders want to ensure they earn a return on their investment over time. Conversely, short-term bridge and fix-and-flip loans typically do not have prepayment penalties because those lenders want their capital back quickly so it can be redeployed into new deals.
What do you mean by "After Repair Value" (ARV)?
ARV is the estimated market value of a property after the proposed renovations or construction are completed. Lenders rely heavily on this figure to determine the maximum loan amount they can safely provide. Accurate ARV projections are critical to ensuring your project remains profitable and qualifies for the funding you need.
