Texas Commercial Real Estate Loans
Permanent long-term financing and short-term bridge & construction loans for Texas investors and business owners. Low-documentation programs — qualify on property value and income, not personal tax returns.
Serving Houston, Dallas, San Antonio, Austin, Fort Worth & all of Texas. Commercial mortgage solutions from $250K to $10M.
LET’S TALK
Two Texas Commercial Loan Programs. One Expert Team.
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 in Texas, Adam Bartling & Team has the right commercial loan program 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.
Texas commercial real estate investors in Houston, Dallas, San Antonio, Austin, Fort Worth, and across the state rely on our programs to fund acquisitions, value-add renovations, and ground-up development — fast.
Long-Term Commercial Loans
Permanent financing for stabilized income-producing Texas 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 Texas 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 Texas commercial mortgage programs to find the right fit for your investment strategy
Not Sure Which Texas Commercial Loan Fits Your Deal?
Tell us about your Texas property and investment goals. We’ll 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 Texas buy-and-hold investors and owner-occupied businesses in Houston, Dallas, San Antonio, and beyond.
Income-Based Qualification
Qualify on property cash flow, not personal income
Close in Entity
LLCs, Corporations, and Trusts all welcome
Owner-Occupied
Finance your Texas business location with competitive terms
👤 Borrower Profile
💼 Financial Requirements
Texas Commercial Bridge & Construction Loans
Short-term capital for Texas acquisitions, value-add renovations, and ground-up development. No personal income verification. 100% of rehab costs financed. No prepayment penalty.
🌉 Texas Bridge Loans
Short-term financing to acquire or refinance Texas commercial properties. Ideal for value-add opportunities, repositioning assets, or bridging to permanent financing. Close quickly in Houston, Dallas, Austin, and across Texas.
🏗️ Texas Ground-Up Construction
Finance new Texas commercial construction from the ground up. We fund land acquisition and construction costs with milestone draws. Build multifamily, retail, mixed-use, and more across Texas.
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
Multifamily
Mixed-Use
Retail
Office
Industrial
Warehouse
Ground-Up
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 in Texas?
A long-term loan provides permanent financing for stabilized Texas 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 real estate 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 close my Texas commercial loan in an LLC?
Yes. Both programs welcome LLCs, Corporations, and Trusts. Closing in an entity is preferred and provides important liability protection for Texas investors and business owners.
Do I need construction experience to qualify for a Texas 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 Texas 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 Texas 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 Texas 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 Texas 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 in Houston, repositioning a value-add property in Dallas, or building from the ground up in Austin — Adam Bartling & Team will find the right Texas commercial loan 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 Texas transaction — helping investors and business owners secure the right capital for their goals.