Resources

Everything Texas royalty owners actually ask.

Real customer stories, plain-English articles on basin economics and loan sizing, sizing tools, and frequently asked questions — all in one place.

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Insights

Reading from the underwriters.

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Permian Basin

How Permian production is shaping 2026 lending math

Rig counts are down, but per-well productivity keeps climbing. What that actually means for the loan amount a Reeves County royalty owner can expect.

· 6 min read
How we think

Royalty 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
Sizing

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 Basin

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 Shale

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 & trusts

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
Underwriting

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
Operators

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
Customer stories

Real files. Real numbers.

Permian · Reeves County $112,800
3-well royalty interest

"My banker quoted me 60 days and three appraisals. TCT closed in five business days off two royalty statements."

J.M., royalty owner Closed in 5 business days
Eagle Ford · Karnes County $67,500
4-well working interest

"We needed to make payroll before the next royalty check landed. TCT bridged it without us touching the operating company's line of credit."

R.L., operator Closed in 8 business days
Haynesville · Panola County $48,900
Family-trust royalty

"My mother passed and the trust needed liquidity for estate taxes. We didn't want to sell the minerals — they've been in the family since the '40s."

D.W., trustee Closed in 4 business days
Delaware · Loving County $186,000
12% working interest

"I've had partners in this lease since the '90s. Buying them out without a bank that understood the curve was impossible — until TCT."

C.B., working-interest owner Closed in 6 business days

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