Texas' Leader in Royalty Loans · Since 1995

Cash from your royalties.
Without selling your minerals.

Meet today's goals with tomorrow's production. 30+ years evaluating Texas oil & gas, funding owners the banks won't underwrite. No credit checks. No surrender of ownership. Decisions in days, not weeks.

See your offer → How it works
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Loans funded this year
$0M
Funded YTD 2026
0hr
Decision time
PERMIAN BASIN EAGLE FORD BARNETT SHALE HAYNESVILLE EAST TEXAS ANADARKO AUSTIN CHALK FORT WORTH PERMIAN BASIN EAGLE FORD BARNETT SHALE HAYNESVILLE EAST TEXAS ANADARKO AUSTIN CHALK FORT WORTH
Where we work

Every Texas basin.
Every operator.

Three decades of deal flow across the Lone Star State. We've underwritten production from the Loving County wildcats to East Texas legacy wells. Our default answer is yes if it's Texas oil & gas.

  • 1,400+ wells evaluated since 1995
  • 40+ counties with active TCT-funded royalties
  • 5 basins with deep operator relationships
  • $200M+ deployed against Texas production
How it works

Funded in three steps.
Usually within a week.

No applications that drag on for months. No bank committees. We've been doing this exact thing for three decades — there's a playbook, and it's fast.

01
Day 1

Send us your statements.

Your most recent royalty statements are the application. No credit check, no tax returns, no personal financials.

02
Day 2 – 3

Get a custom offer.

We evaluate the production and value the asset. Most owners hear back within 48 hours — a loan amount, a term, and the math behind it.

03
Day 5 – 7

Funds in your account.

Sign the paperwork, get funded. You keep your minerals. Repayment comes straight from your monthly royalty stream — no out-of-pocket payments, ever.

Quick estimate

See what your royalties
can unlock.

Move the slider, pick your basin. We'll show you a real ballpark based on three decades of evaluating Texas production — not a number we pulled out of thin air.

  • Up to 24× monthly royalty income depending on field + decline curve
  • Repayment from royalty checks — never out-of-pocket
  • Every drop of ownership stays yours. Loan, not sale.
  • No prepayment penalty if production spikes and you pay early
Monthly royalty income $2,400
Basin
Estimated loan amount
$57,600
HIGH CONFIDENCE
Final offer depends on field, operator, and well history — but most Permian owners land within ±10% of this number.
Get your real offer →
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Years funding Texas royalty owners
$0M+
Funded since 1995
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Median decision time
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Owners keep their mineral rights
The TCT Difference

Every basin has its own decline curve, its own operator quirks, its own commodity story.
We've been reading them since '95.

Three decades in Texas
Customer story · 2026
Reeves County, TX
Permian · 3-well royalty interest
Why owners come to us

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

For mineral owners, traditional lenders are an uphill climb — most banks won't underwrite royalty income at all, and the ones that do treat oil & gas like a foreign language. The result is months of back-and-forth for what should be a simple ask. We built TCT to be the opposite: one phone call, the statements you already have, and a real number from someone who's been looking at Permian production curves since the Clinton administration.

JM
J.M., royalty owner
Reeves County · Permian Basin
More resources & stories →
The real choice

A loan keeps your rights.
A sale doesn't.

Most "competitors" in the mailbox aren't competitors — they're buyers. They want your minerals, not to lend against them. Here's how the two paths actually compare.

Borrow with TCT
Keep ownership.
Get cash now.
  • Mineral ownership You keep 100%
  • Cash today 12–24× monthly royalty
  • Future royalty checks Return to you after repayment
  • Decision time 48 hours
  • Credit check None — asset-based
  • Generational value Stays in the family
Sell to a buyer
One check.
Then nothing, forever.
  • Mineral ownership Transferred forever
  • Cash today A one-time lump sum
  • Future royalty checks Flow to the buyer, forever
  • Decision time Weeks of back-and-forth
  • Credit check Usually not — they want the asset
  • Generational value Gone with the closing
Read the full breakdown →
What owners actually do with it

The math behind tomorrow's pool.

Royalty loans don't sit in a drawer. Real owners use ours to handle estate liquidity, buy out partners, bridge to the next check, and reinvest in their own production. Here's what files actually look like.

$48k
Estate tax liquidity

Cover the IRS-9-month deadline without firing the family minerals out the front door.

$112k
Sibling buy-out

Consolidate a fractional partnership before it fractures another generation.

$67k
Operating bridge

Make payroll, fund a workover, or float a JIB until the next remittance lands.

$186k
Reinvest in production

Buy adjacent acreage, fund a recompletion, or take a working interest position.

Why TCT

Built for one thing.
Done right.

We're not a bank trying to figure out oil & gas. We're not a marketplace splitting a fee with whoever buys your loan. We're a specialized lender that's funded thousands of Texas royalty owners since the 1990s.

01 · Speed

Decisions in days, not weeks.

"Not we'll get back to you." A real number from a real underwriter within 48 hours of receiving your statements. Median time from first call to wired funds is under a week.

02 · Ownership

You keep 100% of ownership.

This is a loan, not a sale. Your minerals stay yours. Once the loan is paid off, the royalty checks return to you with no further obligation. We're not in the business of buying out producers.

03 · Underwriting

Your production, not your FICO.

The loan is secured by the asset — the royalty income. We don't pull credit, don't ask about credit cards, and don't care about your DTI ratio. Owners with 500 FICOs and 800 FICOs get the same offer if the production's the same.

04 · Texas focus

Every basin, every operator, every quirk.

We've evaluated production from Loving County to the Sabine River for 30+ years. We know which operators report on time, which decline curves are normal, and which permits actually mean something. That depth is the difference between a generous offer and a cautious one.

Trusted by Texas landmen since 1995
TIPROTexas Land AssociationNAROPermian Basin PetroleumSIPES
Common questions

What people ask first.

Is this a sale of my mineral rights?
No. This is a loan secured by your royalty income. You retain 100% of ownership in your minerals. Once the loan is fully repaid from your royalty stream, the checks continue flowing directly to you with no further obligation to TCT.
How much can I borrow?
Typically between 12× and 24× your monthly royalty income, depending on well history, operator, and field. The calculator above gives you a ballpark — final offers come after we look at your statements and the production data behind them.
Do you check my credit?
No. The loan is collateralized by your royalty income, not your personal credit. We've made loans to owners with 500 FICOs and 800 FICOs — we don't pull credit either way.
How fast can I get funded?
Most owners have funds in their account within 5–7 business days from when we receive their statements. A handful of files have closed inside 72 hours when the situation calls for it.
What if production drops or the well shuts in?
Production risk is built into our pricing — we know wells decline. We don't pursue personal recourse if the royalty stream comes up short. That's why we evaluate the asset carefully up front instead of relying on personal guarantees.
Do you fund outside Texas?
Our specialty is Texas oil & gas — that's where we have three decades of deal flow and operator relationships. We occasionally look at New Mexico, Oklahoma, and Louisiana on referral. Reach out and we'll let you know.
What does a typical interest rate look like?
Pricing reflects the asset risk, not the borrower's personal credit. Most loans fall in a fixed-rate band that's quoted up front with no surprises later. Because repayment comes straight from royalty checks, there's no risk of missed payments or late fees.

Send us your last three statements.
We'll send you a number.

No credit check. No commitment. Most owners hear back inside 48 hours.

Just funded A producer in Reeves County · $112,800