Plain English on royalty lending.
Basin math, operator quirks, and the sizing arithmetic most royalty owners never get walked through — written by the people who actually underwrite the files.
Subscribe via RSSRoyalty loan vs. mineral sale: 4 numbers that actually matter
Most royalty owners we talk to have been pitched a sale before they ever consider a loan. Here are the four numbers that separate "good idea" from "expensive mistake" — and when each path actually wins.
8 min read →What your royalty actually borrows in 2026
The 12–24× headline multiple is real, but every TCT file gets sized by basin, operator history, and decline curve. Here's the arithmetic on a $500/month royalty check.
5 min read →Eagle Ford royalty loans: a guide for South Texas mineral owners
How Eagle Ford basin economics, operator behavior, and decline curves shape what a South Texas royalty owner can actually borrow in 2026.
7 min read →Haynesville gas royalty economics: what owners need to know in 2026
Henry Hub pricing, the AI data-center demand wave, and what it all means for North Louisiana and East Texas Haynesville royalty owners considering a loan.
6 min read →Estate planning with mineral rights: a Texas family's guide
How to use a royalty loan instead of a mineral sale to handle estate tax liquidity, sibling buy-outs, and intergenerational wealth transfer.
8 min read →Working interest vs royalty interest: what TCT lends against
The two flavors of mineral ownership, the cash-flow + expense differences, and which one we can actually finance.
5 min read →How operator quality affects your royalty check (and your loan)
Why the company drilling your wells matters more than the basin — and how we factor operator history into every TCT loan decision.
6 min read →
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