Texas Commercial Real Estate Loans
Permanent long-term financing and short-term bridge & construction loans for Texas investors and business owners. Low-documentation programs that qualify on property value and income — not personal tax returns.
LET’S TALK
Two Programs. One Team. Built for Texas Investors.
We Work for You — Not the Banks. Whether you need permanent financing for a stabilized income-producing property or short-term capital to acquire, renovate, or build from the ground up, Adam Bartling & Team has a commercial loan program built for your strategy.
Both programs are low-documentation, qualify based on property value and income — not personal W-2s or tax returns — and close in approximately 30 days. LLCs, corporations, and trusts are all welcome.
Long-Term Commercial Loans
Permanent financing for stabilized income-producing commercial properties. Ideal for investors holding multifamily, retail, office, and industrial assets — or business owners financing their own location.
Bridge & Construction Loans
Short-term capital for acquisitions, value-add renovations, and ground-up construction. Fast closings, 100% rehab financed, and no prepayment penalty so you can execute your business plan and exit cleanly.
Side-by-Side: Texas Commercial Loan Comparison
Compare both programs to determine which fits your investment strategy
Not Sure Which Program Fits Your Deal?
Tell us about your property and investment goals. We’ll help you identify the right structure — no obligation, no hard credit pull.
LET’S TALKTexas Commercial Long-Term Loans
Permanent financing for income-producing Texas commercial properties. Qualification based on property cash flow — not personal income. Ideal for buy-and-hold investors and owner-occupied businesses.
Income-Based Qualification
Qualify on property cash flow, not personal income
Close in Entity
LLCs, Corporations, and Trusts all welcome
Owner-Occupied
Finance your business location with competitive terms
👤 Borrower Profile
💼 Financial Requirements
Texas Commercial Bridge & Construction Loans
Short-term capital for acquisitions, value-add renovations, and ground-up development. No personal income verification. 100% of rehab costs financed. No prepayment penalty.
🌉 Bridge Loans
Short-term financing to acquire or refinance commercial properties. Ideal for value-add opportunities, repositioning assets, or bridging to permanent financing. Close quickly and execute your business plan.
🏗️ Ground-Up Construction
Finance new commercial construction from the ground up. We fund land acquisition and construction costs with milestone draws. Build multifamily, retail, mixed-use, and more.
No Interest on Holdback
Construction interest only starts when you draw funds
No Prepayment Penalty
Refinance or pay off anytime without extra fees
Closing Costs Financed
Loan can include funds to cover closing expenses
Note: Raw land alone is not eligible. Ground-up construction requires an approved development plan and permits.
Eligible Texas Commercial Property Types
Finance a wide range of commercial real estate across Texas and 30+ states
1–4 Units
Bridge only
Multifamily
Both programs
Mixed-Use
Both programs
Retail
Both programs
Office
Both programs
Industrial
Long-term only
Warehouse
Long-term only
Ground-Up
Bridge only
Texas Commercial Loan FAQs
Common questions about commercial real estate financing in Texas
What’s the difference between a long-term commercial loan and a bridge loan?
A long-term loan provides permanent financing for stabilized properties with terms up to 30 years. A bridge loan is short-term (12–36 months) for acquisitions, renovations, or new construction before transitioning to permanent financing.
What is the maximum LTV for Texas commercial loans?
Long-term loans allow up to 70% LTV (65% for cash-out). Bridge and construction loans allow up to 70% of purchase price and 70% of ARV, with 100% of rehab/construction costs financed.
Can I use an LLC to hold the property?
Yes. Both programs welcome LLCs, Corporations, and Trusts. Closing in an entity is preferred and provides important liability protection for investors and business owners.
Do I need construction experience to qualify for a bridge or construction loan?
Yes. Prior construction or renovation experience is required. You will need to provide a bio or resume demonstrating a track record with similar projects.
Can I finance my own business location in Texas?
Yes. Owner-occupied commercial properties qualify for long-term financing. This is an excellent option for business owners who want to own rather than rent their commercial space.
Can I finance raw land in Texas?
Raw land alone is not eligible. However, land acquisition can be financed as part of a ground-up construction loan when an approved development plan and permits are in place.
How long does it take to close a Texas commercial loan?
Both programs typically close in approximately 30 days, depending on property complexity and how quickly complete documentation is submitted.
How does the construction holdback work?
100% of construction and rehab costs are funded in a holdback account. As you complete work, you submit draw requests and funds are released for completed phases. Interest only accrues on amounts drawn.
Explore More Loan Programs
Serving Texas and 30+ states with residential and commercial financing solutions.
Ready to Finance Your Texas Commercial Property?
Whether you’re acquiring a stabilized asset, repositioning a value-add property, or building from the ground up, Adam Bartling & Team will identify the right program for your deal. Competitive rates, fast closings, and a team that works for you — not a bank.
Adam Bartling is a retired U.S. Army Captain turned mortgage professional. With experience across residential and commercial real estate financing, Adam and his team bring a veteran’s discipline and strategic mindset to every transaction — helping Texas investors and business owners secure the right capital for their goals.