Home / Our Solutions / Commercial Lending
Commercial Lending Solutions That Support Business Growth
Seeking new financing is essential to supporting new business opportunities, sustaining positive cash flow through investment in commercial equipment or supporting business expansion plans. Equally important, is the right refinance when sustaining your established business is your main goal.
Commercial Lending
What Is Commercial Lending?
Commercial lending is the provision of financing for businesses to cover many needs including the purchase of commercial real estate, business expansion, equipment purchases, needs for additional working capital, and the refinancing of business loans.
Commercial loans differ from personal loans in that they are business-focused and are structured according to the financial performance and cash flows and assets and business-related borrowing goals.
Businesses are best able to balance financial stability with financing to cover growth needs when the proper financing is available.
What we arrange
Commercial Lending Solutions We Offer
01
Commercial Real Estate Loans
Finance the purchase, construction, or refinancing of office buildings, retail centers, industrial properties, multifamily developments, and other income-producing commercial real estate.
02
Business Acquisition Loans
Acquire an existing business with financing designed to support ownership transitions and long-term business growth.
03
Working Capital Loans
Maintain healthy cash flow, cover operating expenses, manage seasonal fluctuations, or invest in short-term business opportunities.
04
Equipment Financing
Purchase or upgrade machinery, vehicles, technology, and other equipment essential to your daily operations without placing unnecessary strain on working capital.
05
Construction Financing
Secure funding for new construction projects, property improvements, or commercial developments from the ground up.
06
Commercial Bridge Loans
Access short-term financing for time-sensitive opportunities while arranging permanent financing or completing property improvements.
07
Commercial Mortgage Refinancing
Refinancing may help improve loan terms, reduce monthly payments, consolidate debt, or access available equity for future investments.
Commercial lending in Houston
Types of Business Financing
Commercial lending covers many kinds of business financing. The right option depends on what you need the money for, how quickly you need it and how your business generates cash. Here are the most common choices.
For property
Real estate loans
Buy, refinance or build commercial property for your business or as an investment.
For growth
Term loans and SBA
Fund expansion, equipment or the purchase of another business with structured repayment.
For flexibility
Lines of credit
Access working capital when you need it to manage cash flow, inventory or seasonal needs.
What lenders look at
- Business cash flow and profitability
- Time in business and industry experience
- Business and personal credit history
- Collateral such as property or equipment
- Existing debts and how they are paid
- The purpose of the loan and your plan
Common uses
- Buying or refinancing commercial real estate
- Purchasing equipment or vehicles
- Acquiring a business or a partner share
- Working capital and inventory
- Expanding to a new location
- Refinancing expensive business debt
How it works
How Our Commercial Lending Process Works
STEP 01
Talk through your needs
We learn about your business, what the financing is for and the amount you are looking for.
STEP 02
Find the right structure
We compare loan types such as term loans, SBA loans, real estate loans and lines of credit.
STEP 03
Prepare the request
We help you put together the financial statements and documents lenders ask for.
STEP 04
Support through funding
We work with the lender through approval and closing so the funds are ready when you need them.
Questions
Commercial Lending FAQs
What is the difference between a commercial loan and a personal loan?
A commercial loan is used for business purposes and is mainly evaluated on the business, its cash flow and its collateral. Personal loans are based mainly on your personal income and credit.
How do I know which type of business loan is right for me?
It depends on what you are financing. Long-term assets such as property usually fit long-term loans, while short-term needs like inventory fit a line of credit. We help you compare options before you apply.
Can a new business get a commercial loan?
It is possible, but harder. Lenders usually prefer an established track record. Newer businesses may still qualify with strong experience, collateral or programs such as SBA loans.
What documents do I need to apply?
Lenders typically ask for recent business and personal tax returns, recent financial statements, a debt schedule, bank statements and details of what the loan is for.
Does Bellford Capital lend directly?
Bellford Capital arranges financing: we work with a range of lenders and capital sources to find the right fit for your business and guide you through the process.
Learn more about specific options: commercial real estate loans, SBA loans in Houston, bridge loans and our commercial mortgage broker services.
Commercial Lending
Tell Us About Your Project
Share a few details and our team will get back to you about your commercial lending request.
Prefer to talk directly?