We don't do bridge loans for restaurants, equipment finance for trucking, or factoring for med-spas. We fund Texas oil & gas royalty owners. That's it — and we've been at it since the Clinton administration.
A royalty stream is either steady or it isn't. We size the loan to the asset, never the borrower's personal balance sheet. No personal recourse. No FICO-pull. The number we give you is the number we believe the well will support.
You speak to a partner, not a CSR. The same person who quoted your loan signs the funding wire. Most owners hear "yes" before our competitors have finished their intake form.
Our repayment comes straight from your royalty checks — when production is strong, we get paid faster; when it dips, we wear the risk. That alignment is the deal.
TCT opens with a single thesis: Texas royalty owners deserve specialized capital — not generic bank products.
Funded across the Permian + East Texas before the shale boom hit. Bet was simple: production is collateral.
Operator relationships in DeWitt and Karnes counties open up our second-largest concentration.
A quarter-century in, our loss rate sits below half of comparable specialty lenders.
$200M+ funded. 1,400+ wells evaluated. The same playbook, the same answer-in-48-hours promise.
"
We've made loans through three commodity cycles, two wars, and one global pandemic. The math hasn't changed. Texas production pays its loans.
— TCT founding principle
Send us your last three statements. We'll send you a real offer inside 48 hours.
Start your application →
