Loan paper that holds up in Texas.
Promissory notes, deeds of trust, loan agreements, and guaranties — drafted for the deal in front of you and enforceable under Texas law. Not a recycled template with the names swapped.
A private loan is only as strong as the documents behind it. When a note is vague on default, a deed of trust is missing a power-of-sale detail, or a guaranty wasn't drafted to Texas requirements, the gap shows up at exactly the wrong moment — when the borrower stops paying. We draft loan documents for private and hard-money lenders so the paper does its job when it matters, and we draft them around your specific deal, not a one-size template.
The documents we prepare
Promissory notes & loan agreements
The core promise to repay — interest, maturity, payment structure, default and acceleration, late fees, and (where permitted) default interest, drafted with Texas usury limits in mind. For more complex facilities, a full loan agreement with covenants, conditions to funding, and reporting requirements.
Deeds of trust & security instruments
The lien on the real property, with a proper power-of-sale for Texas non-judicial foreclosure, assignment-of-rents where the collateral produces income, and the covenants that protect your position (insurance, taxes, waste). Where the collateral is personal property, UCC-1 security agreements and filings.
Personal & entity guaranties
Guaranties that actually reach the guarantor — payment vs. performance, joint-and-several where there are multiple principals, and the waivers Texas courts expect to see. For LLC and entity borrowers, the authorizations and resolutions that keep the loan from being challenged later.
Modifications, extensions & workouts
Deals change. We prepare modification and extension agreements, forbearance and workout paper, and — when it comes to that — coordinate the documentation side of non-judicial foreclosure so the file is clean.
Built to match the collateral
Loan documents shouldn't be drafted in a vacuum. When the collateral is a fuel business, the fuel supply agreement can dictate what your deed of trust and default provisions need to account for — which is why lenders often send us both, and we draft the package to fit what the underlying contracts actually say.
Note: we represent the lender's side in preparing these documents. We don't provide investment advice or opinions on whether to make a given loan — that decision is yours.
Questions lenders ask
Loan documents, answered.
Do you represent lenders, borrowers, or both?
For loan-document preparation we work on the lender's side. If a conflict exists on a particular deal, we'll tell you at intake.
Can you work from my existing forms?
Yes. Many lenders have a base note or deed of trust they like. We can review, tighten, and tailor your forms to the specific deal — often faster and cheaper than starting from scratch.
How fast can you turn a document set around?
Send the deal terms and you'll have a quote and timeline within 24 hours. Standard note-and-deed-of-trust sets are typically ready in days.
Do you handle the foreclosure if the loan goes bad?
We prepare and coordinate the documentation for Texas non-judicial foreclosure and can assist with workouts and modifications along the way. Scope and quote are confirmed when you send the file.
Funding a deal this week?
Send the terms and the collateral. We'll quote a flat fee for a document set that holds up.