Private capital for Texas commercial real estate.
Shanzay Capital LLC is a direct private lender serving Houston, Austin, and San Antonio. Commercial-purpose loans secured by first- and second-lien positions — reviewed fast, documented by attorneys, funded without bank committees.
Loan documents prepared through Real Deal Law — attorney-drafted, every file.
- Property address
- 2 years business tax returns
- 2 years property tax returns
- 2 years personal tax returns
- Past appraisal for the property
- HUD closing documents from purchase
- Borrower / applicant ID
- Guarantor names & IDs
We fund a specific kind of loan — and we say so up front.
Before you gather a single document, make sure the loan clears our three gates. If it does, the application takes about ten minutes.
Commercial purpose only
Proceeds must be used for business or investment purposes — acquiring, improving, or leveraging commercial and investment property. We do not make consumer, personal, or household-purpose loans.
1st & 2nd lien secured
Every loan is secured by real property in a first- or second-lien position. Unsecured requests and junior positions behind two existing liens are outside our box.
A complete file
The eight-item application file — tax returns, appraisal, closing documents, IDs — lets us verify borrowing history and current exposure before we quote. Complete files get answers.
From application to funding, one straight line.
STEP 1Apply online
Answer the gate questions and attach the eight-item file. You'll know immediately whether the loan fits our criteria — no waiting to find out you were never eligible.
STEP 2Verification & cross-check
We review the tax returns and run our cross-check: how much the borrower and guarantors currently have outstanding, how often they've borrowed, and where else they appear as guarantors. Straight answers come from complete pictures.
STEP 3Terms & attorney-drafted documents
Qualified files receive written terms. Loan documents are prepared through Real Deal Law, so every note, deed of trust, and guaranty is attorney-drafted — not a form off the internet.
STEP 4Fund
Sign, close, fund. Servicing, payoff statements, and payment history stay available to you for the life of the loan.
Check your eligibility.
Four short steps. Your answers are reviewed against our lending criteria as you go, and your documents go directly — and only — to our underwriting team.
Tell us about the loan.
These three answers decide eligibility — the rest of the application is detail.
The borrower & guarantors.
Guarantor names are part of the file — we verify each guarantor's existing obligations during cross-check.
Attach the file.
PDF or photo, up to 15 MB per file. Attach what you have — a complete file gets the fastest answer, but you can submit with items marked "will provide".
Review & submit.
Check the summary, then submit. Our team replies from support@shanzaycapital.com.
This one isn't in our box.
Shanzay Capital funds commercial-purpose loans secured by first- or second-lien positions on real property. If your situation changes — or if we've misread it — email support@shanzaycapital.com.
Your application is in.
Your loan request clears our lending gates. Underwriting now verifies your documents and runs the cross-check, then we come back with terms or questions — usually within two business days.
Deploy capital alongside us.
Shanzay Capital works with private lenders who participate in individual secured loans, and with investors who place capital with the company at a fixed monthly return. Participations are documented per loan; every position is secured by Texas real property. The lender & investor portal — statements, loan documents, property files — is on its way.