Loan Ranger Capital Review: Terms, Form D and Securitized Loans

What we could and could not verify

Aggregator pages repeat large recorded-mortgage and volume estimates for this lender. Those are third-party estimates, and we did not use them. What we did use is limited to documents we saved: the lender's own web pages, SEC filings and two federal lists. Two things we did not obtain are worth stating plainly: we could not run a Texas court docket search (the CourtListener search needs a login), so this page makes no statement about litigation, either way; and we did not look up Texas licensing, so we say nothing about it.

Published terms, read November 7, 2026

The lender's pages are the only source for pricing, so they are quoted as claims. The site's home page carries a "noindex, nofollow" robots tag, and its footer says Copyright 2025.

On fees, the FAQ says it will "Occasionally" finance loan points, and the fix-and-flip page says only "Flexible Points". No origination fee, draw fee or exit fee figure is published for flips, so a borrower cannot compute total cost from the website; get a term sheet. The FAQ adds that the loans carry no prepayment penalty on flips and new construction, require a personal guarantee, and are made only to businesses for non-owner-occupied property.

Where the lender's pages disagree

None of these is a sign of anything improper; marketing pages and FAQs are often written at different times. They do mean the quoted rate and leverage are best cases, and the written term sheet is the document that counts. The FAQ also says it will not lend 100% of cost ("we will require cash in the deal") while the flip page shows 92.5% LTC as the ceiling, which is consistent.

The independent record: Saluda Grade securitization reports

Saluda Grade Mortgage Funding LLC (CIK 0001831646) files Form ABS-15G exhibits listing, for each trust, the originators of the loans and any asset that was the subject of a repurchase demand. Loan Ranger appears in four of its exhibits (we also cover the same securitizer in our Builders Capital review).

Reading it carefully. First, the filings use three spellings (Loan Ranger Capital Investments LLC, Loan Ranger Capital LLC, Loan Ranger) and we have no document that ties each to the lender on loanrangercapital.com; the Austin Form D filer carries the first name, which is why we treat them as related, not proven identical. Second, a repurchase or replacement is a mechanism in a deal's representations and warranties, and the exhibit gives no reason, so it is not evidence of default. In the report for the period ended June 30, 2024 the same trust showed one $4,748,760 demand against a different originator, so this is a routine line in these reports. Third, the trusts were partly cash when these reports were written (2024-RTL5 shows a $97,141,747.17 prefunded cash amount, 38.86%, and the 2021-RTL1 and 2022-RTL2 exhibits say the assets were primarily cash with no mortgage loans), so a 0 for Loan Ranger in those two trusts does not show whether it sold loans into them. Fourth, the 24 loans in the two trusts total $11,553,153.15 (our arithmetic), small next to any lifetime volume the lender claims; its site says it has "funded more than 7,500 flips", which we cannot test with these records. We say nothing about the 2025-NPL2 trust beyond its name because we did not read its offering documents.

Form D: the Austin funds

Two related issuers share the lender's name and an Austin address (1800 E. 4th St., Unit 170 in the 2020 and 2021 filings).

A Form D is a notice, not an audit: the $84,368,779 is the amount the issuer said had been sold as of its filing and says nothing about returns or where the money went. Neither CIK has filed anything since (EDGAR lists only these Form D filings), so the 2021 number is almost six years old. It does show that outside investors, not only the founders, funded a vehicle with the lender's name.

HMDA and licensing: what a missing record means

We searched the 2024 filer list (4,927 institutions) and the 2025 list (4,791) from the FFIEC; no institution has "ranger" in its name. The only Global LEI record we found for the name is Loan Ranger Acquisitions, LLC in St. Petersburg, Florida, with status LAPSED since a renewal date of April 16, 2022; it is on neither HMDA list and we found nothing linking it to the Austin lender. So there is no HMDA loan count for Loan Ranger Capital. The lender states that it lends only to businesses for non-owner-occupied investment property; we do not infer anything about its reporting duty from that, and we did not check Texas licensing databases.

What a reader can do with this

• Ask for a written term sheet before applying and compare it with the website: credit score, term, leverage, points, draw fee and any extension fee.
• Ask which entity makes the loan and who services it; the securitization filings show loans from lenders like this can end up in trusts, which matters for any later modification request.
• Ask how the lender handles a workout if the loan is later sold to a trust.
• Compare at least two other hard money lenders. See our reviews of CV3 Financial Services, Builders Capital and Constructive Loans.

FAQ

Sources, read November 7, 2026: loanrangercapital.com (home, fix-flip, new-construction, dscr-rental-loans, short-term-bridge-loans, where-we-lend, how-we-work, faqs, hard-money-101); SEC EDGAR Form D accessions 0001693582-16-000001, 0001693582-21-000002 and 0001834168-20-000001; Saluda Grade Mortgage Funding LLC Form ABS-15G accessions 0001999371-24-010179, 0001999371-24-014745, 0001999371-25-001352 and 0001999371-26-002718; FFIEC HMDA filer lists 2024 and 2025; GLEIF record 549300LICSTLGYMH1S96. This is analysis of public documents, not investment, legal or tax advice.