Texas Commercial Real Estate Loans
Capital for investors who buy, refinance, or build retail, office, industrial, and mixed-use property anywhere in Texas. We size each loan around the project’s cost, value, and income rather than your tax returns, then move quickly: construction pricing from 9.5%, leverage up to 85% of cost, and closings in as few as 10-20 days.
- Ground-up construction, acquisition, bridge, and refinance financing
- Up to 85% loan-to-cost and up to 75% of completed value
- Retail, medical office, industrial, flex, self-storage, and mixed-use projects
- Underwriting that accounts for Gulf Coast flood, wind, and drainage requirements
- LLCs, developers & foreign nationals welcome · all 254 Texas counties
- Describe the propertyLocation, property type, land or purchase price, and total budget.
- Receive a same-day term sheetWe size the loan around cost, value, and expected income.
- Close and get to workYour first draw funds quickly, and later draws follow inspections.
Property types
Commercial properties we finance across Texas
From a suburban Dallas pad site to an industrial park on the Houston Ship Channel, we evaluate each project on its own economics:
Retail & Shopping Centers
Grocery-anchored strips, neighborhood centers, and pad sites in fast-growing suburbs.Industrial & Flex
Distribution buildings, small-bay flex, and warehouses near ports, rail, and interstates.Office & Medical Office
Professional suites, outpatient clinics, and specialty medical buildings near major hospital systems.Mixed-Use & Multifamily
Ground-floor retail with apartments or offices above, suited to walkable urban districts.Commercial financing
How a Texas commercial real estate loan works
A commercial real estate loan is secured by property that earns income or houses a business, and lenders judge it mainly by what the asset can produce. That is different from a home mortgage. We review the purchase price or build budget, the likely rents, the location, and the plan, then structure funding to match. A buyer closing on an occupied center needs a different loan than a developer clearing a vacant lot, so we offer several paths instead of one rigid product.
For new construction, funds are released in stages as inspected work is completed, and you pay interest only on the balance already drawn. We lend up to 85 percent of total project cost, which includes land, hard costs, and soft costs, and up to 75 percent of the building’s projected value on completion. When the building is finished, you can sell it, refinance into a long-term loan, or use a one-time-close structure that converts automatically. Because Texas projects can involve floodplain, detention, Gulf Coast wind exposure, or Edwards Aquifer rules, and because Texas lien law shapes retainage and draw procedures, we review those items early so your schedule is not derailed at appraisal or title.
| Collateral | The land and the commercial property being purchased, refinanced, or built (deed of trust) |
| Loan amount | $100,000 to $100,000,000 |
| Construction leverage | Up to 85% of total cost · up to 75% of completed value |
| Construction structure | Interest-only · pricing from 9.5% · 12-24 month term · draws against inspected work |
| Texas factors | Floodplain and drainage/detention, coastal wind and hurricane exposure, Edwards Aquifer rules, mechanic’s lien and retainage practices; zoning and permitting vary by city, county, and ETJ |
| Borrower | Individual, LLC, or development entity · foreign nationals eligible |
| Coverage | All 254 Texas counties, from the Gulf Coast to the Panhandle and the border |
Loan programs
Texas commercial loan programs
Pick the structure that fits where your property is in its life cycle:
Ground-Up Construction
Interest-only funding for new retail, office, industrial, and mixed-use buildings, released as work is inspected.
Land Plus Construction
Buy the parcel and fund the building together, so you are not arranging separate loans for lot and structure.
Acquisition & Bridge
Short-term capital to secure a property that needs lease-up, repositioning, or renovation before permanent financing.
Refinance & Exit
Take out a construction or bridge loan once the building is complete and leased, including one-time-close options.
Why build commercial in Texas
Why investors choose to construct, not just buy
- Massive, fast-growing demandTexas has more than 31 million residents and keeps adding people, and every new household needs shopping, medical care, jobs, and storage. There is also no state personal income tax, which continues to draw people and employers.
- Building can beat buyingNew construction lets you design for modern tenants and lock in a cost basis that may deliver a better yield than purchasing a finished, fully priced asset.
- Many distinct marketsGulf Coast ports and energy, Dallas-Fort Worth corporate campuses, Austin technology and semiconductors, and cross-border trade at Laredo and El Paso each create a different commercial niche.
- A lender that knows the stateFlood zones, Gulf Coast wind exposure, Texas lien rules, and city-versus-ETJ permitting realities are priced into our process from the first conversation.
Free tool
Commercial construction budget & yield calculator
Estimate total project cost, loan amount, required equity, and interest carry, then compare your expected net operating income to the all-in cost. The interest estimate assumes the outstanding balance averages about half the loan over the build. Illustrative only.
Your project
Illustrative only; not a commitment to lend. Excludes permits, impact fees, insurance, reserves, and closing costs. Interest rate and NOI are example inputs, not a quote or a forecast.
How we compare
CambridgeHomeLoan vs. typical Texas banks
Community and regional banks can offer good terms to existing customers, but approvals often hinge on a long relationship and a slow committee process. Here is how our approach usually differs, with our advantages highlighted.
| Feature | CambridgeHomeLoan | Typical Texas Bank |
|---|---|---|
| Qualifies on | Project cost, value & plan | Relationship plus the project |
| Documentation | Streamlined | Full financials, often deposits |
| Time to close | As fast as 10-20 days | Often 45-90+ days |
| Draw turnaround | Typically 3-5 days | Often 1-2 weeks or longer |
| Coastal & floodplain sites | Underwritten routinely | Often restricted |
| Exit options | In-house one-time-close | Usually a separate loan |
Bank column is a generic composite of commonly seen terms as of 2026 and does not describe any specific lender.
Top construction markets
12 Texas cities where commercial construction makes sense
Texas is a huge state with very different markets, from the Houston Ship Channel and the Dallas-Fort Worth Metroplex to Austin’s tech corridor and the border trade hubs. Below is a snapshot of twelve active areas for commercial construction loans, with rounded population figures based on U.S. Census Bureau estimates and the employers and centers that shape demand.
Houston
Houston is the largest city in Texas and anchors a metro of more than 7 million people. The Texas Medical Center, Port Houston, and the energy industry drive demand for medical office, industrial, and flex space, and the city has no conventional zoning code, which gives builders flexibility. Flood and drainage review is essential here.
Dallas
Dallas sits at the center of the Dallas-Fort Worth metro, one of the largest in the country. AT&T and Texas Instruments are based in the area, Uptown and NorthPark Center anchor retail, and Love Field and DFW Airport support logistics. Mixed-use, office conversions, and infill retail are steady project types.
Austin
Austin combines the state capital, the University of Texas, and a large technology sector, with Tesla’s Gigafactory and Dell in the region. Strong job growth supports medical office, flex, and neighborhood retail, though land costs, entitlement timelines, and Edwards Aquifer or watershed rules call for early planning.
San Antonio
San Antonio is one of the largest U.S. cities, with USAA, Joint Base San Antonio, H-E-B, and a large healthcare and bioscience sector. The Pearl and La Cantera show what quality retail and mixed-use can earn. Sites over the Edwards Aquifer recharge zone carry extra environmental requirements.
Fort Worth
Fort Worth is growing quickly. AllianceTexas is a major logistics and industrial hub, Lockheed Martin and Bell are large employers, and Sundance Square and the Cultural District support retail and hospitality. Industrial, flex, and suburban medical office projects are natural fits.
El Paso
El Paso is a border city tied to Ciudad Juárez manufacturing and to Fort Bliss, one of the Army’s largest installations. Cross-border trade supports warehouse and distribution space, while medical and neighborhood retail serve a large local population at a lower basis than Texas’s big four metros.
Plano
Plano is a high-income Dallas suburb with corporate campuses, including Toyota Motor North America, plus Legacy West and Shops at Legacy for retail and dining. Office, medical, and upscale mixed-use projects suit the affluent, well-educated customer base, though buildable land is limited.
Frisco
Frisco is one of the fastest-growing cities in the country. The Dallas Cowboys’ headquarters at The Star, the PGA of America campus, and Stonebriar Centre anchor a strong commercial base. New rooftops keep driving demand for grocery-anchored retail, medical office, and self-storage.
Irving
Irving is home to Las Colinas, a major office district, and sits next to DFW Airport. Corporate tenants such as Kimberly-Clark and Fluor, plus airport-driven logistics, support office, hospitality, industrial, and flex projects with excellent highway access.
Laredo
Laredo is the busiest land port on the U.S.-Mexico border, moving large volumes of trade through the World Trade Bridge. That flow supports warehouses, truck-related industrial space, and cross-dock facilities, with Mall del Norte and growing suburbs supporting retail.
Corpus Christi
Corpus Christi is a Gulf port with major energy exports, a naval air station, and Texas A&M-Corpus Christi. Industrial and energy-related space, medical office, and coastal retail are common projects. Coastal wind and flood exposure, and windstorm insurance costs, must be built into the budget early.
Round Rock
Round Rock, just north of Austin, is home to Dell Technologies and has a strong retail base with IKEA and the Premium Outlets. Spillover growth from Austin and the nearby Samsung Taylor investment support flex, medical office, and neighborhood retail along the I-35 and SH-130 corridors.
Population figures are rounded and approximate, drawn from recent U.S. Census Bureau and Texas Demographic Center estimates, and may have changed. Employers and centers are named for market context only and do not imply any relationship with them.
We fund projects all over Texas. If your city is not listed, call us or submit your application and we will confirm.
How it works
Get your Texas commercial loan in three steps
Send the project details
Share the location, property type, plans, total budget, and whether you plan to sell, lease, or hold.
Receive a same-day term sheet
We review cost, expected value, and your experience, then return clear terms with minimal paperwork.
Close and start drawing
We close, fund your first draw, and release later draws promptly as each stage passes inspection.
Requirements
Texas commercial loan requirements
| Equity | As little as 15-20% of total project cost, depending on experience and the project |
| Credit | 640+ FICO typical; deal-first, with exceptions considered |
| Income documents | Streamlined and asset-based; personal income is not the main driver |
| Plans & permits | Approved plans and city or county permits (or in process), building-code compliance, and floodplain, drainage, and detention documentation where applicable |
| Vesting | Individual, LLC, or development entity · foreign nationals eligible |
| Exit | Sale on completion, or refinance into a long-term loan |
Answers
Texas commercial real estate loan FAQ
What is a Texas commercial real estate loan?
A Texas commercial real estate loan finances income-producing or business-use property such as retail centers, office and medical buildings, industrial and flex space, and mixed-use projects. Instead of leaning on personal income, we look at the property, its cost or value, its projected or actual rents, and your plan for it. Funding can cover a purchase, a refinance, bridge capital, or a ground-up build, and we lend in all 254 Texas counties.
How much can I borrow for ground-up commercial construction?
Construction loans run from $100,000 to $100,000,000. Leverage reaches up to 85 percent of total project cost and up to 75 percent of the completed value, and we size the loan to whichever measure is more conservative. Pricing starts at 9.5 percent on an interest-only term of 12 to 24 months.
Do you lend on Gulf Coast, floodplain, and Edwards Aquifer sites?
Yes. Coastal, floodplain, and aquifer-zone sites are a normal part of Texas lending, and we underwrite them with that in mind. We review flood designation, elevation certificates, drainage and detention plans, wind and windstorm insurance requirements on the coast, and any Edwards Aquifer or watershed requirements, along with local permits. Your design team will usually already be building to these rules; we simply need the documentation in your file.
How do construction draws work?
You receive an initial draw at closing to start work, then request additional draws as each phase, such as site work, foundation, structure, and interior build-out, is finished. We inspect the completed work before releasing funds and typically turn draws around in about three to five days. Because interest accrues only on money already drawn, carrying costs stay lower early in the project. Retainage and lien waivers follow Texas construction practice.
Can I buy land and build in a single loan?
Yes. Our land-plus-construction structure can fund the lot purchase and the vertical build together in one transaction. If you already own the land, its value generally counts toward your required equity in the project.
What happens when the building is finished?
After the certificate of occupancy, you can sell the property and repay the loan from proceeds, refinance into a long-term commercial loan, or convert automatically if you chose a one-time-close structure. Many investors lease up the building first so the long-term lender underwrites a stabilized income stream.
Do you finance projects in cities that are not listed on this page?
Yes. The cities above are a sample of the most active Texas commercial markets, not a limit. If your project is somewhere else in the state, call us or submit an application and we will confirm the details.
Keep exploring
Related investor loans
© 2026 CambridgeHomeLoan.com · NMLS #1826020 · 4830 W Kennedy Blvd, Tampa, FL 33609 · (800) 826-5077 · Equal Housing Lender. Commercial real estate and construction loans are business-purpose loans and are not available for primary residences. Rates, points, loan-to-cost, loan-to-value, terms, draw schedules, and closing timelines are illustrative, subject to change without notice, and subject to borrower, property, and project qualification and underwriting approval. “Rates from 9.5%,” “up to 85% loan-to-cost,” and other maximums reflect the strongest profiles and are not a quote or commitment to lend. Completed values are estimates confirmed by appraisal. Calculator results are illustrative and exclude permits, impact fees, insurance, reserves, and closing costs. Population figures come from the U.S. Census Bureau and the Texas Demographic Center, are rounded and approximate, and may have changed. Employer and shopping-center names are used only to describe local markets and do not imply endorsement or affiliation. City descriptions are general observations, not property-specific or investment advice. Comparison figures are generic composites and do not describe any specific lender. Borrowers must confirm applicable building code, floodplain, drainage, aquifer, zoning, lien, and permitting requirements with licensed professionals. This page is informational and is not financial, legal, tax, or investment advice.