GOLD LENDER
RoseRock Capital Fund is a direct private lender providing financing solutions to real estate investors across Texas. We understand the need for fast and reliable capital when sourcing new opportunities. Our focus is short-term, asset-based commercial loans, funding the majority of the acquisition, development, and/or improvement of a property.
RoseRock does not run a construction or renovation draw process, because it is a short-term commercial bridge and land lender rather than a fix and flip or ground-up construction lender. Its capital is deployed at closing against the secured asset, through a title company, with a third-party licensed appraiser and survey required, rather than released in stages as a build or rehab progresses. There is no draw request method, inspection schedule, or per-draw turnaround published on its site, and none would be expected for this loan type. RoseRock also does not publish a specific closing timeline. For investors who need draw-funded rehab or construction financing, RoseRock is a better fit for commercial bridge and land deals at or above its $500,000 minimum than for a phased construction draw program. Anyone with a project that requires construction draws should confirm the structure directly with RoseRock.
RoseRock is a direct private money lender with offices in Bryan and Dallas, Texas, providing short-term, asset-based commercial real estate loans on an investor-to-investor basis, focused on bridge and land rather than fix and flip or construction.
• Commercial bridge: LTV up to 65%.
• Land acquisition: LTV up to 65%; land refinance: LTV up to 55%.
• Terms up to 12 months, interest-only, at 8% to 14% with 2 to 3 points, first lien only, minimum loan $500,000.
• Asset classes include multifamily, office, residential, medical, land, and bridge across Texas and the Southern United States.
• RoseRock lends on an investor-to-investor basis and is a member of the American Association of Private Lenders (AAPL).

RoseRock is a direct private money lender with offices in Bryan and Dallas, Texas, providing short-term, asset-based commercial real estate loans on an investor-to-investor basis. It lends across Texas and the Southern United States to commercial real estate investors and developers for acquisition, development, and improvement, on a first-lien basis with a minimum loan of $500,000. It is a member of the American Association of Private Lenders (AAPL).
Ratings are based on the following criteria:
Platinum & Gold Lenders
Platinum and Gold lenders are committed to delivering a modern, streamlined draw experience. These lenders typically support fully digital draw requests combined with virtual inspections across a wide range of project types. Their goal is to provide the fastest possible turnaround times without compromising risk management or construction oversight.
Silver & Bronze Lenders
Silver and Bronze lenders are still strong lending partners and have automated portions of their draw operations. However, the borrower experience may vary depending on the project type, inspection method, or capital partner requirements. In some cases, additional approval layers or third-party capital sources can increase reimbursement timelines.
About Virtual Inspections
Virtual inspections allow borrowers to skip scheduling a field inspector. They are typically reviewed within hours of submission. Borrowers must still document work thoroughly, including cost evidence (receipts) and lien waivers where applicable. Every lender listed on Lenderly offers virtual inspections and automated draw requests. The majority utilize independent construction experts for remote review, or they review submissions in house.
A draw-friendly lender is one that prioritizes speed, simplicity, and reliability when it comes to funding your project. They make it easy to request draws, minimize friction in the process, and get you reimbursed quickly so your project keeps moving.
The best draw-friendly lenders combine digital draw request tools with virtual inspections, allowing you to submit, verify, and receive funds often within 24 hours.
By comparison, traditional timelines can slow you down:
Every lender featured here offers a streamlined, digital draw process and supports virtual inspections for at least some of their loan products, helping you access capital faster and with far less hassle.