Texian Capital

Texian Capital is a newly formed private credit and venture capital firm headquartered in Central Texas. The firm's mission is to extend secured credit to financially sound borrowers, targeting asset-backed lending opportunities with low risk of default and loss.

Our lending strategy is grounded in rigorous credit analysis, conservative loan-to-value ratios, and disciplined portfolio concentration limits.

Lending Strategy

Disciplined approach to private credit investing

Rigorous Credit Analysis

Comprehensive due diligence process evaluating financial strength, collateral quality, and repayment capacity of all borrowers.

Conservative LTV Ratios

Maintaining disciplined loan-to-value ratios to ensure adequate collateral coverage and minimize risk exposure.

Portfolio Concentration Limits

Strategic diversification across sectors, geographies, and borrower types to mitigate concentration risk.

Risk Management Framework

How we manage risk across underwriting, collateral, and ongoing monitoring.

Default Risk Target

Low

  • Focus on financially sound borrowers with strong repayment capacity.

Collateral Focus

Asset-Backed

  • Secured lending with tangible collateral for added protection.

Underwriting Standards

Conservative

  • Prudent approach to loan structuring and documentation.

Portfolio Monitoring

Active

  • Continuous assessment of portfolio performance and risk metrics.

The principles that guide every decision we make

Integrity, adaptability, and disciplined execution—focused on building long-term value.

Integrity

We uphold the highest standards of ethics, trust, and transparency in all we do.

Adaptability

We stay agile in a changing market, evolving to meet the needs of those we serve.

Entrepreneurial

We embrace innovation and invest in bold ideas that move industries forward.

Execution

We deliver with precision, accountability, and a relentless focus on results.

Legacy-Minded

We focus on long-term impact - financially, professionally, and socially.

Executive Leadership

Seasoned professionals guiding our strategic direction

Curt Gaines

Curt Gaines

Co-Founder, Chief Executive Officer

Curt brings more than 30 years of experience in community banking, with a career defined by innovation, leadership, and a deep commitment to strengthening local economies. He began as a commercial lender and most recently served as Market President and Chief Lending Officer of a $1.3 billion locally owned financial institution, where he also sat on the Board of Directors.

A graduate of Sam Houston State University with a BBA in Finance, Curt furthered his expertise at the Graduate School of Banking at Colorado, completing the program in 2015.

Professional Highlights

  • Developed credit analysis templates adopted across Texas while at Citi
  • Advanced credit analysis functions across four different banks
  • Oversaw $560 million loan portfolio with 13 lenders and 5 analysts
  • Co-founded and served on Asset/Liability Committee (ALCO)
  • Achieved merger milestone with zero classified assets

Community Leadership

Economic Development Board Leadership
Abdul B. Subhani

Abdul B. Subhani

Co-Founder, President | Technologist | Venture Capital | Defense Innovator

Abdul is an accomplished entrepreneur, defense innovation leader, and philanthropic trailblazer. Leveraging a unique background at the intersection of national security, technology, and finance, Abdul brings a mission-driven approach to investing in transformative businesses and underserved markets.

Abdul also serves as the CEO of Centex Technologies, a Texas-based IT consulting firm recognized multiple times on the Inc. 5000 list. 

Professional Highlights

  • Distinguished Chair of Innovation at United States Military Academy
  • Member of the Board of Advisor - Center for a New American Security
  • Chairman of the Board of Advisor - Firehawk Aerospace
  • Board of Director - Advent Health Central Texas

Achievements & Philanthropy

Forbes Contributor Subhani Foundation Subhani Capital Rehza Builder & Homeowner Portal

Partner With Us

Discover how Texian Capital's disciplined approach to private credit can help you achieve your investment objectives.