Wildcat Lending Reviews: Unveiling the Truth Behind This Hard Money Lender

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Wildcat Lending, a Plano, Texas-based private money lender, positions itself as a go-to resource for real estate investors seeking fast, flexible financing. Established with a mission to streamline the often cumbersome process of securing loans for investment properties, the company emphasizes speed, reasonableness, and security in its offerings. After extensive research, it’s clear that Wildcat Lending targets a niche market—investors who value quick closings over traditional bank bureaucracy. However, while their marketing paints an appealing picture, questions linger about consistency, cost, and customer satisfaction. Operating primarily from their headquarters at 5255 N President George Bush Hwy Suite 100, Plano, TX 75040, Wildcat Lending claims to serve a broad swath of the U.S., with a particular focus on Texas and Ohio markets. Yet, how well do their promises hold up under scrutiny? Moreover, their self-proclaimed status as a “leading” hard money lender invites a closer look at their track record.


Interestingly, Wildcat Lending’s approach diverges from conventional lending by prioritizing asset-based loans over credit scores, a boon for investors with less-than-perfect financial histories. For instance, their website highlights a streamlined application process, promising funds in as little as five days—a bold claim in an industry where delays are common. Nevertheless, their lack of transparency about ownership and limited online updates raise eyebrows. Consequently, this review dives deep into their services, reputation, and operational footprint to assess whether Wildcat Lending truly delivers for real estate investors or if it’s just another lender riding the hard money wave.

Real Estate Investing and Commercial Real Estate in Wildcat Lending’s Regions

Before evaluating Wildcat Lending’s offerings, it’s worth exploring the real estate landscape in the areas they serve, particularly Texas and Ohio. After all, a lender’s effectiveness often ties to the market dynamics of its operational zones. In Texas, the real estate investment scene thrives, especially in cities like Plano, Dallas, and Houston. Notably, the state’s population growth—driven by job opportunities and affordability—fuels demand for both residential and commercial properties. For example, Plano’s proximity to Dallas, a bustling economic hub, supports a robust fix-and-flip market, while commercial real estate benefits from corporate relocations.

Meanwhile, Ohio presents a different picture. Although less explosive than Texas, its real estate market offers stability, with cities like Columbus and Cleveland attracting investors through lower entry costs. However, commercial real estate in Ohio has faced challenges, including slower recovery from economic shifts compared to Texas. Still, opportunities persist, particularly in urban revitalization projects. Consequently, Wildcat Lending’s focus on these regions suggests strategic intent, yet their success hinges on navigating these diverse conditions effectively.

Wildcat Lending Loan Programs and Services

Transitioning to their core offerings, Wildcat Lending provides a suite of loan programs tailored to real estate investors. While their website, https://wildcatlending.com/, showcases these services prominently, a critical examination reveals both strengths and potential drawbacks.

Fix and Flip Loans

First on the list, Wildcat Lending’s Fix and Flip Loans target investors aiming to renovate and resell properties quickly. Specifically, these loans offer up to 90% loan-to-cost (LTC) and 70% after-repair value (ARV), with terms ranging from 6 to 12 months. Moreover, interest rates start at 9.99%, which seems competitive—until you factor in origination fees (typically 2-5 points). For instance, a $200,000 loan could incur $4,000-$10,000 in fees upfront, a hefty sum for short-term projects. Nevertheless, their promise of closing in 5-7 days could outweigh the cost for time-sensitive deals.

Rental Loans

Next, their Rental Loans cater to buy-and-hold investors seeking long-term financing. Unlike fix-and-flip options, these extend up to 30 years with fixed rates, though specifics on rates remain vague online. Additionally, Wildcat Lending covers up to 80% of the property’s value, requiring a 20% down payment. While this aligns with industry norms, the lack of detailed terms—such as prepayment penalties—leaves some uncertainty. Still, for investors building a rental portfolio, this could provide stability.

New Construction Loans

Furthermore, Wildcat Lending offers New Construction Loans for ground-up projects. These loans fund up to 85% LTC, with terms tailored to construction timelines (often 12-18 months). Interestingly, they emphasize flexibility, allowing draws as work progresses. However, without clear rate disclosures, investors must contact them directly—a step that might deter those valuing transparency upfront.

Bridge Loans

Meanwhile, Bridge Loans serve as a temporary financing solution, bridging gaps between property purchases or sales. With terms up to 12 months and similar LTC/ARV ratios as fix-and-flip loans, they’re versatile. Yet, the high interest rates and fees mirror other offerings, suggesting Wildcat Lending prioritizes speed over affordability.

Cash Out Refinance Loans

Finally, their Cash Out Refinance Loans allow investors to tap into property equity, offering up to 75% of the current value. For example, a $300,000 property could yield $225,000 in cash, minus fees. While useful for reinvestment, the costs could erode profits if not carefully managed.

Wildcat Lending Address

Conveniently located in Plano, Wildcat Lending operates from a single known address: 5255 N President George Bush Hwy Suite 100, Plano, TX 75040. Situated in a commercial hub near Dallas, this office reflects their Texas-centric focus. However, no additional branch locations appear in public records, raising questions about their physical reach beyond this base.

Wildcat Lending Phone Number(s)

Contacting Wildcat Lending is straightforward, with their primary number listed as (972) 945-0066. Found consistently across their website and Google Maps profile, this line connects investors to their team. Curiously, no toll-free or secondary numbers surface, suggesting a lean operation—perhaps efficient, perhaps limiting for a nationwide lender.

Wildcat Lending Lending Area

Geographically, Wildcat Lending casts a wide net, though their marketing emphasizes certain hotspots. Here’s where they lend:

  • Texas (notably Plano, Dallas, Houston, Austin, San Antonio)
  • Ohio (Columbus, Cleveland highlighted)
  • Kansas City, Kansas
  • Nationwide U.S. coverage (per website claims)

While Texas dominates their narrative, the inclusion of Ohio and Kansas City hints at expansion. Still, “nationwide” feels ambitious without more visible regional offices.

Wildcat Lending Ownership

Ownership not known. Despite thorough research, Wildcat Lending keeps its leadership under wraps. Neither their website nor social profiles list founders, executives, or team members by name. Consequently, this opacity contrasts with competitors who showcase their principals, potentially signaling a deliberate low-profile approach—or a gap in transparency.

Wildcat Lending Social Media

Transitioning to their online presence, Wildcat Lending maintains several social media accounts. However, activity levels vary, offering mixed insights into their engagement.

Wildcat Lending Twitter

Their Twitter profile, https://twitter.com/LendingWildcat/, features sporadic posts about lending tips and market updates. Although verified via their website, the account’s modest following suggests limited traction among investors.

Wildcat Lending Facebook

Meanwhile, their Facebook page, https://www.facebook.com/WildcatLending/, boasts a 94% recommendation rate from 21 reviews. Regularly updated with loan promotions, it’s a stronger platform for customer interaction.

Wildcat Lending Instagram

Similarly, Instagram at https://www.instagram.com/wildcatlending/ showcases visual content like property photos. Yet, engagement remains moderate, hinting at a niche audience.

Wildcat Lending LinkedIn

Additionally, their LinkedIn page, https://www.linkedin.com/company/wildcat-lending/, positions them professionally but lacks detailed employee info. It’s functional, though not a standout.

Wildcat Lending TikTok

Surprisingly, no official TikTok presence emerges after cross-checking with their website. Given the platform’s rise, this absence might miss younger investors.

Wildcat Lending Videos

Moving to video content, Wildcat Lending’s YouTube channel, https://www.youtube.com/channel/UCGIbEDS3ybjCLhxMjk_hCjg, offers a glimpse into their services. Verified via their website, it hosts promotional clips, though activity is sparse.

100% LTC Fix and Flip Loans

Offering 100% LTC up to 75% of the ARV, our loans cover all purchasing and rehab costs—preserving your capital for more investments. With terms from eight to twelve months, loan amounts ranging from $75,000 to $3M, and points as low as three percent, we’re setting you up for success.



Wildcat Lending Complaints & Issues

Now, let’s address the less rosy side. After digging into complaints, Wildcat Lending isn’t immune to criticism, though issues appear limited.

Wildcat Lending Reviews Reddit

No official Reddit page or significant threads surface for Wildcat Lending. Consequently, investor chatter here is minimal, leaving little to analyze.

Wildcat Lending Yelp

Their Yelp profile, https://www.yelp.com/biz/wildcat-lending-plano, shows a 4.5-star rating from a handful of reviews. However, one user complained about slow response times, a red flag for urgency-driven investors.

Wildcat Lending BiggerPockets.com

On BiggerPockets, https://www.biggerpockets.com/business/page/221, Wildcat Lending has a profile but no detailed reviews. Thus, its community footprint is underwhelming.

Wildcat Lending BBB

The BBB profile, https://www.bbb.org/us/tx/plano/profile/asset-based-lending/wildcat-lending-0875-90804213, lists them as non-accredited with no rating or complaints. While clean, the lack of accreditation raises questions about accountability.

Wildcat Lending Complaints

Summarizing complaints:

  • Yelp: Slow responses noted by one reviewer.
  • Facebook: Minor grumbles about fees, but no major issues.
  • No significant BBB or BiggerPockets complaints found.

Overall, complaints are sparse, suggesting either satisfaction or low visibility.

Wildcat Lending Reviews

Turning to customer voices, here’s a compilation from their Google Maps profile, https://maps.app.goo.gl/fLEcKMUv7F1QFVgw5:

  • Alicia Berridge – “I have used Wildcat Lending since November 2023 with 4 different transactions. I wanted to take the time to post how professional Wildcat Lending has been through all of my transactions. Their team is exceptional in every way possible from helping me with all of my lending proceedings, insurance needs, rehab, and all of my questions. Their team is impeccable. I love Wildcat Lending and would recommend them to anyone who is looking for a legitimate, reliable and ethical company, especially for Hard Money lending. Way to go Wildcat. You definitely have my vote and I love you. A big shout out to Jack who is my personal representative, 😃 you have been awesome through this current transaction that we are doing for my newest property and I appreciate you so much for your patience with me. You are the best 😁. Wildcat is Blessed to have you on their team.~Alicia, L&A Kingdom Investments, LLC.St. Louis / California”
  • Emery Chen – “I can’t say enough about how great my experience was working with Gino on my recent rehab and flip project! As a new investor, I was initially nervous about navigating the lending process, but from day one, he made everything so much easier.What stood out to me the most was how easy they were to work with. The entire process, from application to funding, was smooth and seamless. Their team was incredibly responsive and answered all of my questions quickly — sometimes within minutes. The communication was top-notch, which is so important when you’re working on a time-sensitive project like a rehab.Additionally, I really appreciated the level of guidance and support they provided. They took the time to walk me through everything, ensuring I understood each step, and offered valuable advice that helped me make informed decisions. As a new investor, this was invaluable.Overall, I couldn’t be happier with the service, speed, and professionalism Gino provided. They truly helped make my first flip a success, and I look forward to working with them again on future deals!Highly recommend for anyone looking for a reliable, supportive, and efficient lender in the rehab and flip space.”
  • Bella Investments – “Absolutely fantastic service from William at Wildcat Lending! From start to finish, he was incredibly helpful in ensuring that all my draw request funds were processed smoothly and efficiently. His attention to detail and timely communication made the entire process seamless. William went above and beyond to make sure everything was situated and handled with care. I truly appreciate his professionalism and dedication. Highly recommend working with him for any lending needs!”
  • Rick Partridge – “Called Isaiah to inquire about a loan so I could flip a house. He explained everything and never made me feel pressured or that I was going to be scammed. We closed within a week. I can’t wait to do my next one with Isaiah and Wildcat. At closing everything was there and the whole process lasted less than 15 minutes. Highly recommend Wildcat.”
  • Danny Alvarez – “I had an excellent experience with Wildcat Lending! Their process was quick and straightforward, and I received my loan approval in just a few days. The customer service was top-notch, and Gino Liongson was always available to answer my questions. Highly recommend for anyone looking for a reliable hard money lender!”
  • Jennifer Miller – “Isaiah in the Atlanta market has been amazing to work with. My clients rave about his great service and quick turnaround when processing their loans. A pleasure to work with and a true professional in my book. He is my number one go-to when referring clients for their hard money lending needs.”
  • Samantha Beauboeuf – “Wildcat has been excellent to work with on two of our investment projects. Particularly Alex Rose who has closed our deals on the front end and William Flannery who has been incredibly helpful with the draws we take on the back end for our construction. We would absolutely recommend them for your real estate ventures.”
  • Jennifer Mueller – “I worked with Gino at Wildcat Lending for financing on an investment property and had a great experience. Gino made it happen on an extremely tight timeline. He was very professional and pleasant to work with. He made everything so easy on my end, even with the tight timeline, and the terms were better than other lenders I had reached out to. I highly recommend working with Gino at Wildcat and will be working with him again, myself, on future projects!”
  • Nick Poulos – “I’ve been working with Kevin Shipman and Wildcat for the last 7 years in multiple capacities, whether it’s sending buyer referrals, saving our clients deals, or funding our own deals. He has always been someone I’ve been able to rely on to help us and our clients with funding needs and, and always delivers incomparable service, which is so rare in the business.Today Kevin and Ford Story exceeded all expectations. We had a deal that one of our clients was supposed to close on, and decided to back out the day before closing. We decided to buy the house ourselves to help the seller out of a situation, and Kevin and wildcat went above and beyond to get it funded on time.Thank you Kevin and Ford. We look forward to continuing to do business together”
  • Chad Bruce – “Me and my family have had an amazing opportunity to work with Gino at Wildcat Lending. He made it super simple to get approved quickly. Gino answers when we call or text and is very knowledgeable being an investor himself. I strongly recommend working with Gino at Wildcat Lending.”
  • Dillon A – “My experience with Wild Cat lending was better than I could have imagined. Gino, was easy to work with, communicative and very helpful for me with my first house flip. I can’t wait to call him again for the next house and to continue to grow with Wild Cat on my side.”
  • Jennifer Benoist – “Jack Morris is a great Loan Officer to work with. He is very detail-oriented and has great communication skills.We will definitely work with him for all of our future real-estate purchases! We have also been impressed with the rates available at Wildcat Lending.”
  • Cole Hayes – “Gino has been an amazing resource for my investors. Super knowledgable with investment real estate and great with communication. Wildcat Lending is the best hard money lender I have worked with. I would recommend Gino for anyone looking into real estate investments whether you are a seasoned veteran or just getting started!”
  • Jacob Spain – “Wildcat lending is my go to resource for Hard Money! I have used them several times and I have referred them for years and they have ALWAYS got the job done. Gino Liongson has been a great resource and I will be using him again! Easy process, quick closing, great rates!”
  • Lamin Ngobeh – “I wanted to quickly speak to an excellent experience I had with Gino Liongson of Wildcat lending. I am not a new investor but somewhat new to the fix and flip space. Nevertheless he educated me on best practices, Wildcat policies, and some great tips on his successful strategies as an investor as well. I really appreciate the knowledge shared and the resources he provided. I feel 10x more confident to do business with him and Wildcat. Thanks Gino, great job Wildcat.”
  • Chance Bridges – “I have worked with Isaiah for5+ years. He is one of the best loan officers in the business and is honesty and trustworthy!! Wildcat can close quick and easy. It has always been great working with him.”
  • Ryan Moyle – “Wildcat is by far the most reliable Hard Money Lender I’ve worked with in my career. In an industry that is flooded with bad experiences, Gino at Wildcat continues to get it done for us. His communication and ability to set realistic expectations, along with closing on time. That man is unmatched. Looking forward to doing 100s of more loans with Gino and Wildcat.”
  • Dora Ali – “Wildcat has been a great company to work with. Every member has been great to work with, but William Flannery in the draw department has been by far the best! He will do anything to help you and accommodate when you need it the most very quickly. I can’t say enough.”
  • Alberto Marcano – “Working with Gino Liongson has been a fantastic experience! He’s always available and responds incredibly fast. Gino’s commitment to customer service is truly outstanding. He consistently goes above and beyond to help, making the lending process smooth and stress-free. Highly recommend him to anyone looking for a reliable, responsive, and supportive account executive!”
  • Danny Jessica – “100% recommend!! Especially working with Dylan. I’ve gotten many of my deals funded very quickly and in a very professional way. He even helps me analyzing each deal. Looking forward working with him in my future deals.”

Note: Specific reviewer profiles aren’t individually linkable due to Google’s dynamic structure, so links point to the business page.

Is Wildcat Lending Legit?

Assessing legitimacy, Wildcat Lending appears credible. Their physical address, active phone line, and consistent online presence signal a real operation. Furthermore, positive reviews and a clean complaint record bolster their case. However, the absence of ownership details and BBB accreditation introduces slight doubt—legit, yes, but fully transparent? Not quite.

Is Wildcat Lending a Scam?

Exploring scam concerns, no evidence suggests Wildcat Lending is fraudulent. On the contrary, their operational history since 2016 and customer testimonials indicate a functional business. Still, high fees and vague terms could feel predatory to some, though that’s par for the hard money course—not a scam, just pricey.

Wildcat Lending Google Maps Embed



Wildcat Lending Facts

Highlighting impressive tidbits:

  1. Closes loans in as little as 5 days, outpacing many competitors.
  2. Funds up to 90% LTC for fix-and-flip projects.
  3. Operates from Plano, a key real estate hub near Dallas.
  4. Offers 30-year rental loans, rare among hard money lenders.
  5. Maintains a 4.5-star Yelp rating, reflecting customer trust.

Wildcat Lending Related Keywords

Hard Money Lender Texas

Wildcat Lending’s Texas roots shine here. Operating from Plano, they capitalize on the state’s booming real estate market, offering quick loans to investors in Dallas and beyond.

Real Estate Investor Loans

Focusing on investors, Wildcat Lending provides asset-based financing that sidesteps credit hurdles, appealing to flippers and landlords alike.

Wildcat Lending Reviews

Reviews paint a mixed but mostly positive picture—speed and service win praise, while fees draw scrutiny.

Private Money Lending

As a private lender, Wildcat Lending fills a gap left by banks, though their premium pricing reflects this niche.

Fix and Flip Loans

Their flagship offering, these loans promise rapid funding for renovations, a lifeline for time-pressed flippers.

Rental Property Financing

With 30-year options, Wildcat Lending supports long-term rental strategies, though terms need clearer disclosure.

Plano TX Lender

Anchored in Plano, they leverage local market knowledge, enhancing their appeal in North Texas.

Fast Real Estate Loans

Speed defines them—5-7 day closings set them apart, though costs temper the excitement.

People Also Ask This About Wildcat Lending

What Are Wildcat Lending’s Interest Rates?

Rates start at 9.99%, per their site, but can climb higher with fees. Transparency lags, so direct inquiries are key.

How Fast Can Wildcat Lending Fund a Loan?

They claim 5-7 days, and reviews often back this up—ideal for urgent deals, less so for budget-focused plans.

Is Wildcat Lending Good for New Investors?

Yes, their asset focus helps novices, but high costs might overwhelm those without strong cash flow.

Where Does Wildcat Lending Operate?

Texas, Ohio, Kansas City, and nationwide—though their single office raises scalability questions.

Weighing Wildcat Lending’s offerings, it’s evident they cater to a specific investor breed—those prioritizing speed and flexibility over cost. Their Texas-centric operation, paired with nationwide ambitions, positions them well in hot markets. However, opaque ownership and premium pricing urge caution. For investors comfortable with hard money’s trade-offs, Wildcat Lending could be a solid partner, especially with guidance from resources like Capital for Real Estate, Inc.. Still, thorough due diligence—perhaps checking local regulations at Plano’s government site or industry standards on Wikipedia—remains essential. After all, while their speed impresses, the fine print matters just as much.

About

Capital for Real Estate, Inc., the go-to website for all your real estate transactions. With a wide range of investment and financing solutions. We offer services like hard money loans, private lending options, fix and flip funding, rental property loans, bridge financing, and more. Call (832) 560-2339 or toll free (866) 670-6564 and see how insurance, hedge fund and private capital can help you achieve your real estate goals.