Proactive Lending Group

About Proactive Lending Group

Based in San Antonio, TX, Proactive Lending Group is an asset-based lender offering funding throughout Dallas, Houston, Austin, San Antonio, Laredo, and Brownsville. They offer private commercial loans, fix and flip hard money loans, and rental property loans. Their loan parameters are versatile, including terms up to 30 years, loan amounts ranging from $25,000 to $5,000,000 with a maximum LTV of 75%, and rates starting at 7.5% . They will make loans on all of the following types of properties: single family homes, multi-family, apartment buildings, office units, retail units, hotels/motels, storage facilities, senior housing communities, mixed use, raw land, churches, warehouse spaces, industrial buildings, and medical offices.

Loan Types Offered: Investment Property Loans, Fix and Flip Loans, Commercial Hard Money Loans

Property Types Covered: Single Family, Multi Family, Apartment, Office, Retail, Hotel, Storage, Assisted Living, Mixed Use, Land, Church, Warehouse, Industrial, Medical

Areas Served: Dallas, Houston, Austin, San Antonio, Laredo, Brownsville

Lending Guidelines for Proactive Lending Group

Below are the general loan guidelines published on the Proactive Lending Group website. Please confirm all terms and rates directly with the lender.

Loan Examples

The following loans are for education purposes only. They do not represent actual loans executed by Proactive Lending Group.

Loan Example 1

Kari closes on a $330,000 renovation project in Dallas, TX, using a fix and flip loan from Proactive Lending Group. The lender agrees to make a note with a 75% loan to value (LTV) so they will loan $247,500 on the property. The rate on the loan is 13% for a length of 18 months and the company requires a three point origination fee at the closing. The interest payments are to be paid monthly and the principle will be repaid after the sale of the property.

Accordingly, the borrower will be required to make a $82,500 down payment in addition to paying a $7,425 origination fee. Once the loan closes, she will have to pay the lender $2,681 in monthly interest fees, or 13% multiplied times $247,500 divided by 12 months in a year. At the expiration of the note, she sells the renovated house for $396,000. After subtracting the $48,263 in total interest payments ($2,681 multiplied times 18 months), the $7,425 origination fee, the $247,500 principle amount on the note, and the $82,500 she contributed to closing, she will make a gross profit of $10,313 ($396,000 sales price minus $385,688 in costs). This profit would then be reduced by any building costs paid out of pocket.

Loan Example 2

Jeff takes a loan from Proactive Lending Group so he can remodel a property to re-sell in Dallas, TX. The deal has the following parameters:

$230,000 sales price
50% loan to value (LTV)
12 month term
10% rate of interest
3% origination fee

Based on a $276,000 sales price at the end of the 12 month term, the numbers for the project would look like the following:

$276,000 sales price
- $115,000 principle (50% LTV)
- $115,000 cash paid at closing (50% on 50% LTV)
- $3,450 origination fee (3% of the $115,000 principle)
- $11,500 total interest paid (12 months x 10% interest)
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= $31,050 gross profit (doesn't include taxes or renovation costs)

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