Broker & Referral Partners

Send us deals that fit.
We close them fast.

BD Lending is a Texas direct private bridge lender. We write short-term capital for experienced operators doing real deals. This page has everything you need to pre-qualify a deal before you make the intro.

Submit a Deal → See Our Box

Deal Criteria — Pre-Qualify Before You Submit

Our Loan Box

If the deal fits below, submit it. If it doesn't, save the call. We'll tell you immediately why it doesn't fit so you can find the right lender without wasting anyone's time.

Parameters

Geography	Texas only
Loan Size	Up to $5,000,000No single-loan exceptions above this threshold
Max LTC	90%Lower of LTC or ARV governs
Max ARV / LTV	70%
Land	50% LTV — hard cap
Rate	11–13% interest-only
Origination	2–3%
Term	12–18 months
Extensions	~1% per period
Interest Accrual	Full committed amountIncluding holdbacks — not as-drawn
Recourse	Personal guarantee required

Deals We Do

✓ Acquisition bridge — CRE and residential
✓ Value-add rehab and renovation
✓ Ground-up construction (draw-based)
✓ Rate/term refinance with real equity
✓ Cash-out where proceeds reinvest in the collateral
✓ Experienced operators with a clear exit

Deals We Pass

✗ Loans over $5M
✗ Land over 50% LTV
✗ Cash-out to fund unrelated capital calls or LP obligations
✗ Debt-service bridges
✗ No clear exit strategy
✗ First-time operators with no track record
✗ Outside Texas

What to Tell Your Borrower

How the Process Works

Set these expectations with your borrower before they submit. No surprises, no mystery. Every step is defined.

Prequal Submitted

Borrower fills out the deal basics at bdlend.com/prequal/ — takes 5 minutes. BDL reviews within 1–2 business days.

BDL Review

We evaluate against our box and respond with preliminary sizing if it works — or a specific reason if it doesn't. No vague passes.

LOI Issued

BDL issues a static, non-negotiated Letter of Interest based on submitted data only. No underwriting has occurred yet.

$5,000 Engagement Fee Required

Active UW

Hard credit pull, title engagement, full due diligence, and closing navigation. BDL works as the borrower's capital partner to the table.

Common Questions

What Brokers Ask Most

What's the $5,000 fee about — do I disclose that upfront?

Yes. Tell your borrower before they submit: if BD Lending issues a Letter of Interest, a $5,000 engagement fee is required before we sign it and open active underwriting. It's non-refundable once UW work begins. Borrowers who understand how private lending works won't blink. Those who do are usually not ready for the deal.

Is BD Lending the lender or a broker?

Direct lender. We write our own capital. No broker fees from BDL, no yield spread, no back-end participation shared with a third party. Broker compensation on your end is between you and your borrower — we don't have visibility into that and it doesn't affect our process.

How fast can you close?

Timeline is driven almost entirely by document turnaround and whether underwriting surfaces any issues. Clean deals with complete documentation can move from LOI to close in a few weeks. Deals where documents trickle in over two weeks take longer. We initiate title and run due diligence in parallel — we're not the bottleneck.

What if the deal is over $5M?

We cap at $5M per single loan. We don't participate or co-lend on pieces. If the deal is over $5M, it needs a different lender. We can refer you in the right direction if that's helpful.

How do I submit a deal?

Have your borrower go to bdlend.com/prequal/ — it's the cleanest path. Alternatively, send a brief deal summary to deal@bdlend.com and we'll route it appropriately. The prequal form gets into our queue faster.

Send us deals that fit.We close them fast.