Frequently Asked Questions

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General

What is Mustang Credit Solutions?
Mustang Credit Solutions is a private lending firm specializing in fast, asset-based loans for real estate investors. We provide flexible funding options tailored to time-sensitive or non-traditional deals.

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Where are you located?
We are based in Fort Worth, Texas. We lend on properties across the state and select other markets.

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Borrowers

What types of loans do you offer?
We provide short-term, asset-based loans for residential and commercial investment properties. Common loan types include bridge loans, fix-and-flip loans, and cash-out refinance loans.

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Who can apply for a loan?
Our loans are designed for real estate investors, developers, and business entities. We do not currently offer owner-occupied consumer loans.

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What do I need to apply?
We typically require a completed application, entity documentation, a property address, a purchase contract (if applicable), and a general project plan or exit strategy.

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Do you check credit scores?
While we may review credit history, our primary focus is on the value of the property and the strength of the deal.

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How fast can you close?
We can often close in as little as 5–7 business days, depending on title, insurance, and appraisal readiness.

Loan Terms

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What are your rates and fees?
We evaluate every loan individually and work to provide a competitive interest rate and structure tailored to the project.

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What loan-to-value (LTV) do you offer?
We generally lend up to 70% of the after-repair value (ARV) 

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Is there a prepayment penalty?
Most of our loans do not have a prepayment penalty. We want you to succeed on your timeline.

 

What is the typical loan term?
Our standard term is 6 months, but longer-term options can be evaluated depending on the project and borrower needs.

 

Process

How do I get started?
You can begin by submitting a [New Borrower Application] through our website. A loan advisor will follow up within one business day.

 

What documents will I need to provide?
Expect to submit a purchase agreement, scope of work, proof of insurance, title company details, and corporate documents for your entity.

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How is the property evaluated?
We typically order a third-party appraisal or BPO (broker price opinion). In some cases, we may conduct internal evaluations.

 

Draws & Post-Closing

How do I request a construction draw?
You can request a draw through our [Draw Request Form] and submit invoices and/or pictures of the rehab. Our team will review and fund approved draws in a timely manner.

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Do you require interest-only payments?
Yes, monthly payments are interest-only during the term, with the principal due at maturity or payoff.

 

Can I refinance out of your loan?
Absolutely. We encourage borrowers to refinance or sell once their project is complete.