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Commercial Real Estate Loans
Whether you’re buying your first investment property, expanding your portfolio, refinancing an existing asset, or funding a new development, securing the right financing can make all the difference.
Commercial Real Estate Loans
What Are Commercial Real Estate Loans?
Commercial real estate loans, also called commercial property loans, are financing solutions used to purchase, refinance, renovate, or develop income-producing properties. Unlike residential mortgages, these loans are designed for business or investment purposes and are typically secured by the commercial property itself.
Depending on your objectives, financing can be structured for:
- Property acquisitions
- Investment properties
- Owner-occupied commercial buildings
- Ground-up construction
- Property improvements
- Cash-out refinancing
- Portfolio expansion
- Bridge financing
Every transaction is unique, which is why we focus on understanding your investment goals before recommending financing options.
What we arrange
Our Commercial Real Estate Loan Programs
01
Commercial Property Purchase Loans
Acquire investment properties with financing structured around your business objectives. We help borrowers secure competitive terms for both owner-occupied and investment properties.
02
Commercial Bridge Loans
Need financing before permanent funding is available? Bridge loans provide short-term capital for acquisitions, renovations, value-add projects, or time-sensitive opportunities.
03
Commercial Real Estate Refinance
Refinancing can help reduce monthly payments, improve cash flow, access property equity, or transition from short-term financing into long-term solutions.
04
Construction Loans
Whether you’re building from the ground up or completing a major redevelopment project, construction financing provides capital throughout each stage of development.
05
Multifamily Financing
From small apartment buildings to larger multifamily communities, we help investors secure financing designed for income-producing residential properties.
06
Owner-Occupied Commercial Loans
Business owners purchasing their own office, retail, warehouse, or operating facility may benefit from financing designed specifically for owner-occupied properties.
Commercial real estate loans in Houston
Typical Commercial Real Estate Loan Terms
Commercial real estate loans are underwritten mainly on the property and its income, not just your personal finances. Exact terms depend on the property type, the lender and the strength of the deal, but here is what to expect.
Loan term
Medium-term
Many commercial loans have a term shorter than the payment schedule, with a balance due at maturity.
Amortization
Longer schedule
Payments are spread over a longer schedule to keep them affordable while the loan is in place.
Down payment
Varies by deal
Lenders usually finance a portion of the property value. Stronger properties and borrowers can qualify for more.
What lenders look at
- The property income and occupancy
- Debt service coverage: whether the income comfortably covers the payment
- Loan-to-value: how much you borrow compared with the value
- Your experience owning or managing similar properties
- Your credit, liquidity and net worth
- The location and condition of the property
Properties we finance in Houston
- Office and medical office
- Retail and shopping centers
- Industrial, warehouse and flex
- Multifamily and apartment buildings
- Mixed-use and special-purpose properties
- Owner-occupied business properties
How it works
How Our Commercial Real Estate Loan Process Works
STEP 01
Share your project
Tell us about the property, the purchase price or current loan, and what you want to achieve.
STEP 02
Review the numbers
We look at the property income, value and your plans to see which loan programs fit.
STEP 03
Compare lenders
We present financing options from lenders suited to the property type and deal size.
STEP 04
Guide you to closing
We coordinate with the lender, appraiser and title company and keep you updated until closing.
Questions
Commercial Real Estate Loan FAQs
How much down payment do I need for a commercial property?
The down payment depends on the property type, its income and the lender. Owner-occupied properties may qualify for lower down payment options such as SBA loans.
What is DSCR and why does it matter?
DSCR, or debt service coverage ratio, compares the property net income with the loan payments. Many lenders want the income to cover the payment by a comfortable margin.
Can I get a commercial real estate loan for an investment property?
Yes. Commercial real estate loans are commonly used to buy or refinance income-producing properties such as apartments, retail centers, offices and warehouses.
What is a balloon payment?
Many commercial loans have a term shorter than the amortization schedule. The remaining balance is due at the end of the term and is usually refinanced or paid off with a sale.
How long does it take to close a commercial real estate loan?
Timing depends on the lender and how complete your application is. Larger or more complex deals can take longer, while bridge loans can close faster.
What documents do I need?
Expect to provide the purchase contract or current loan details, rent roll and operating statements, recent tax returns, a personal financial statement and details about your ownership experience.
Exploring other options? See our bridge loans, SBA loans in Houston and commercial mortgage broker services.
Commercial Real Estate Loans
Tell Us About Your Project
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