Commercial Real Estate Loans in Texas
Small-balance commercial debt that national banks routinely decline. We place retail strips, mixed-use buildings, office, light industrial, and 5+ unit multifamily with lenders who underwrite the deal rather than a box checklist.
Our home market — deep DFW, Houston, and Austin small-balance CRE relationships. Actively funding in Dallas–Fort Worth, Houston, Austin and every county in Texas.
- Loan amounts
- $250,000 – $10,000,000+
- Loan to value
- Up to 80% LTV
- Pricing
- Competitive rates
- Structure
- 5–25 year terms, fixed and floating
- Timeline
- Term sheets in 24–48 hours
- Credit
- 625+ FICO
- Unsecured option
- Business capital to $2M
Indicative program parameters — final pricing is confirmed in writing after underwriting reviews the property and the borrower.
Choose financing for your next step
- Which property financing should I consider in Texas?
- DSCR financing focuses on rental income from investment property. Commercial real estate financing considers the property, income and proposed transaction. Bridge, renovation and construction financing address shorter-term projects with a defined repayment or refinance plan. These are business-purpose options, not owner-occupied home loans.
- What is the difference between purchase and cash-out refinancing?
- Purchase financing helps acquire an eligible property. Cash-out refinancing replaces an existing loan and may release equity after debt and transaction costs. Available cash depends on property value, current balances, income and the approved leverage—not just the equity estimate.
- What happens after I request financing?
- An advisor reviews your requested amount, purpose and supporting information, then explains program fit and the next documents needed. A quote or calculator result is not an approval or commitment to lend; final terms require underwriting.
Information to prepare
- Property address and purpose
Identify a purchase, refinance, renovation or construction request and the intended property use.
- Income or project information
Prepare leases, a rent roll or available operating information to explain property cash flow.
- Transaction and ownership details
Include the purchase contract or current mortgage information and entity documents where applicable. The final checklist is specific to your file.
Use the secure application when documents are requested. Do not include Social Security numbers or financial documents in a general contact message.
How commercial real estate loans work in Texas
- 1
Send the property address, rent roll or lease, and your entity documents
- 2
We size the deal — up to 80% LTV, and stabilized assets typically need a 1.20 DSCR
- 3
Term sheet issued in 24–48 hours; we order appraisal, title, and environmental
- 4
Close in 14–21 days, commonly in your LLC or land trust
Send it Monday, see numbers Wednesday. Complete a file for a Texas property and a term sheet typically lands within 24–48 hours. Unsecured business capital can fund within 24 hours once documents are received.
Texas properties we finance
Retail and mixed-use
Strip centers, storefronts, and live/work buildings with a stabilized income stream.
Office and professional
Small office, medical, and professional buildings leased to credit or local tenants.
Industrial and flex
Warehouse, light manufacturing, and flex buildings positioned near distribution corridors.
5+ unit multifamily
Workforce housing and garden-style apartments financed on in-place or pro-forma income.
Small-balance commercial loans — roughly $250K to $10M — are the segment regional banks have pulled back from, which is exactly where private and debt-fund lenders now compete hardest on price.
Value-add and reposition deals usually run on bridge terms first, then refinance into permanent take-out debt once occupancy and income support the new numbers.
Borrowers who bring a rent roll, trailing operating statements, and a clear exit plan tend to see firm pricing on the first term sheet rather than the third.
Texas markets we serve
We fund urban, suburban, and rural properties across Texas — not just the metros. Our underwriters know what rent and cap rates actually look like in Dallas–Fort Worth and Houston, and in the smaller counties around them, which is why our pricing reflects your market instead of a national average.
- Local underwriting for TX deals — no generic national script.
- Competitive pricing with final terms confirmed in writing.
- One point of contact from application through funding.
- Entity, land trust, and LLC closings handled as standard.
Talk to a Texas advisor
Size your commercial real estate loans scenario in minutes
Answer a few questions and your scenario goes straight to a Texas underwriter — no phone tag, no external forms.
Start pre-qualificationTypical response: same business day
Texas Commercial Real Estate Loans FAQ
Ready to run your Texas scenario?
$250,000 – $10,000,000+ · Term sheets in 24–48 hours
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