★★★★★ 4.8 Google Reviews   |   ✓ Direct Lender Since 1998   |   ✓ No Upfront Fees   |   ✓ 48-Hour Approvals   |   ✓ All Credit Welcome

No credit pull · no sales pitch · your choice

Do the whole thing online, or talk to a person. Whichever you prefer.

Keep it online →
Send us the deal, get terms back in writing. We never pull your credit to quote — no inquiry, no score impact. Tick “email only” and we will not call you either. Nothing to lose by asking.
✆ Talk to a person →
877-895-3634 — a lender, not a call centre. Ask a question without filling anything in. Mon–Fri 8 AM–6 PM CT.

Privacy Statement

We take our ethical responsibilities and your privacy seriously. We have a strong commitment to providing excellent service to all our customers and visitors of this Web Site, including respecting your concerns about privacy.

Our Privacy Statement

We take our ethical responsibilities and your privacy seriously. We have a strong commitment to providing excellent service to all our customers and visitors of this Web Site, including respecting your concerns about privacy. This Privacy Policy discloses how we collect, protect, use and share information gathered about you on our website. If you use this site you explicitly agree to the terms and conditions of the Privacy Policy in effect at the time of your use. We hope that this disclosure will help increase your confidence in our website and enhance your experience on the Internet. Therefore, in compliance with industry standards and regulations enforced typically by the Federal and State Governments, we abide the following privacy policy.

Browsing

This website does not collect personally identifiable information from your computer when you browse this website and request pages from our servers. This means that, unless you voluntarily and knowingly provide us with personally identifiable information, we will not know your name, your email address, or any other personally identifiable information. We may use IP addresses, browser types and access times to analyze trends, administer the site, improve site performance and gather broad demographic information for aggregate use. When you request a page from our website, our servers log the information provided in the HTTP request header including the IP number, the time of the request, the URL of your request, and other information that is provided in the HTTP header. We collect the HTTP request header information in order to make our website function correctly and provide you the functionality that you see on this website. We also use this information to better understand how visitors use our website and how we can better tune it, its contents and functionality to meet your needs.

Information We Collect and Its Uses

We collect your personal information if you decide to purchase one of our products or retain our services, participate in our affiliate marketing program, subscribe to our newsletter, complete an application form, participate in one of our surveys or transact other business with us. We need to collect personally identifiable information from you to execute the requested transaction, provide you with a particular service, and/or to further enhance your account. At anytime, we may ask you to voluntarily supply us with additional information needed. We will ask you for information such as, but not limited to: name, current and/or billing address, your e-mail address, telephone number and, if you purchase one of our products or services, a valid credit card number, your Social Security number and certain other personal information, such as your date of birth, address, employment information, and certain credit card and loan account information. We may use your email address to send a confirmation and, if necessary, we might use the other information to contact you for help in processing. In addition, when you provide contact details for transaction requests such as scheduling an appointment or requesting a proposal, we will use the contact information to keep you updated about future offers or promotions unless you opt-out online or otherwise notify us. We may also use the information we collect about you in order to, but not limited to: • learn more about your interest in the products or services we offer and provide you with information; • enroll customers who desire our services • open customer files and establish their accounts • provide customer service • negotiate settlement of our customers’ debts (according to the terms and conditions of their written agreements) • learn how to improve our products or services • provide opportunities for our affiliates and other companies to inform you about the products or services they offer that may interest you • to share aggregated statistical data with our business partners or for public relations. For example, we may disclose that a specific percentage of our users are between the ages of 25 and 35. Aside from the ways mentioned above, we may use your personally identifiable information in many other ways, including sending you promotional materials, and sharing your information with third parties so that these third parties can send you promotional materials. (By “promotional materials,” we mean communications that directly promote the use of Web sites, or the purchase of products or services.). However, you may “opt-out” of certain uses of your personal information.

Disclosure of Information to Third Parties

We may disclose a consumer’s personally identifiable information in order to effect or carry out any transaction that you have requested of us or as necessary to complete our contractual obligations with you. WE RESERVE THE RIGHT TO SELL, RENT OR TRANSFER YOUR PERSONAL INFORMATION TO THIRD PARTIES FOR ANY PURPOSE IN OUR SOLE DISCRETION. We prohibit the sale or transfer of personal information to non-affiliated entities for their use without giving you the opportunity to opt-out (See Opt-Out below). We may share your personally identifiable information with affiliated companies that are directly or indirectly controlled by, or under common control of Commercial Loans of Texas. We may send personally identifiable information about you to non-affiliated companies that are not directly or indirectly controlled by, or under common control of, Commercial Loans of Texas. The personal information collected on this site and by third parties will be used to operate the site and to provide the services or products or carry out the transactions you have requested or authorized. We may change or broaden the use of your personal information at any time. We may use your personal information to provide promotional offers to individuals by means of email advertising, telephone marketing, direct mail marketing, banner advertising, and other possible uses.

Choice/Opt-out

We provide you the opportunity to ‘opt-out’ of having your personally identifiable information used for certain purposes, when we ask for this information. For example, if you purchase a product/service but do not wish to receive any additional marketing material from us, you can indicate your preference on our order form. If you no longer wish to receive our newsletter and promotional communications, you may opt-out of receiving them by following the instructions included in each newsletter or communication or by emailing or calling us per the information contained on our contact page. If you do not wish to have your personal information collected by any third party that is not our agent/service provider, please contact our customer service department to actively opt-out of having your personal information shared.

Customer Service Contact Information:
Commercial Loans of Texas
1207 Antoine
Houston, Texas 77055
Phone: 1.877.895.3634
Email: texlend( @ )gmail.com

Service Providers

We may use other third parties to provide certain clerical and information processing and shipping services on our site. When you sign up for our services, we will share only as much information as is necessary for the provision of those services. These third parties are prohibited from using your personally identifiable information for any other purpose.

Securing the Transmission and Storage of Information

The security of your personal information is extremely important to us. We employ generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. Our site uses SSL (Secure Sockets Layer) security technology to encrypt information you provide to us through the site when entering sensitive information (such as credit card number and/or social security number) on our registration or order forms. This ensures that your information is encrypted as it travels over the Internet. SSL is an industry-standard protocol for encryption over the internet. After information reaches Commercial Loans of Texas, it is stored on a secure server that resides behind firewalls designed to block unauthorized access from outside of Commercial Loans of Texas . You can help to maintain the security of your online transactions by not sharing your personal information or password with anyone. Remember, no method of transmission over the Internet, or method of electronic storage, is 100% secure. (Example: any information you provide us by email is not encrypted) Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. If you have any questions about the security on our Web site, please feel free to e-mail us.

Log Files

As is true of most Web sites, we gather certain information automatically and store it in log files. This information includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and click stream data. We use this information, which does not identify individual users, to analyze trends, to administer the site, to track users’ movements around the site and to gather demographic information about our user base as a whole. We do not link this automatically-collected data to personally identifiable information.

Cookies

A cookie is a small text file that is stored on a user’s computer for record-keeping purposes. We use cookies on this site. We do not link the information we store in cookies to any personally identifiable information you submit while on our site. We use session ID cookies. We use session cookies to make it easier for you to navigate our site. A session ID cookie expires when you close your browser. We can at your option set a persistent cookie to store your passwords, so you don’t have to enter it more than once. Persistent cookies also enable us to track and target the interests of our users to enhance the experience on our site. If you reject cookies, you may still use our site, but your ability to use some areas of our site, such as contests or surveys, will be limited. Some of our business partners (e.g., advertisers) use cookies on our site. We have no access to or control over these cookies. This privacy statement covers the use of our cookies only and does not cover the use of cookies by any advertisers.

Clear Gifs (Web Beacons/Web Bugs)

We employ a software technology called clear gifs (a.k.a. Web Beacons/Web Bugs), that help us better manage content on our site by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users. In contrast to cookies, which are stored on a user’s computer hard drive, clear gifs are embedded invisibly on Web pages and are about the size of the period at the end of this sentence. We do not tie the information gathered by clear gifs to our customers’ personally identifiable information. We use clear gifs in our HTML-based emails to let us know which emails have been opened by recipients. This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns. If you would like to opt-out of these emails, please see “Choice and Opt-out.”

Links to Other Sites

This Web site may contain links to other sites such as our affiliates as well as third parties which are not owned or controlled by us. Please be aware that this privacy policy only addresses our company’s use and disclosure of your information collected on this site. While we try to link only to sites that share our standards and respect for privacy, we are not responsible for the privacy practices of such other sites. We encourage you to be aware when you leave our site and to read the applicable privacy policies and terms of conditions of each and every Web site that collects personally identifiable information. This privacy statement applies only to information collected by this Web site.

Co-branded sites

We may be co-branded with “partners and affiliates”. These business to business relationships are helpful to us and to you as they afford all concerned with greater product and service opportunities. We always provide opt-out opportunities regarding the sharing of your information with such partners and affiliates. Please note the sites linked to our site are governed by their own privacy policies which may or may not reach the standards set by our company.

Access to Personally Identifiable Information

If your personally identifiable information changes, or if you no longer desire our product or service, you may correct, update, delete or deactivate same by emailing our Customer Support by contacting us by telephone or postal mail at the contact information listed below.

Customer Service

If you send us correspondence, including e-mails and faxes, we may retain such information in your customer file. Information you give us over the telephone may be noted for your file. We may also keep copies of any correspondence sent to you. We retain these records in order to provide the products and services you have requested and to measure and improve our customer service. We may, over time, delete these records as permitted by law. Phone calls may be recorded or monitored for customer satisfaction purposes. Based upon the personally identifiable information you provide, we may communicate with you to provide the services you request, and to manage your account. We may communicate via email or telephone, in accordance with your wishes.

Legal Disclaimer

We reserve the right to disclose your personally identifiable information, as required, to comply with the law, applicable regulations, governmental and quasi-governmental requests, judicial proceedings, court orders or subpoenas, to enforce our Legal Notices or other agreements, or to protect our rights, property or safety or the rights, property or safety of our users or others (e.g., to a consumer reporting agency for fraud protection etc.).

Supplementation of Information

In order to provide certain services to you, we may on occasion supplement the personal information you submitted to us with information from third party sources.

Business Transitions

In the event our company goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, your personally identifiable information will likely be among the assets transferred. You will be notified via e-mail and/or a prominent notice on our Web site for 30 days of any such change in ownership or control of your personal information.

Changes to this Privacy Statement

We reserve the right to modify this privacy statement at any time. We will not jeopardize your privacy. The provisions contained in this privacy statement supersede all previous notices or policies regarding our privacy practices with respect to this site. Any and all changes will be made here, to this privacy statement. We encourage you to check our site frequently to see the current privacy statement to be informed of how we are committed to protecting your information and providing you with improved content on our website in order to enhance your online experience. Upon any material changes to the policy statement, we will post those changes to this privacy statement, the homepage, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.

Contact Us

If you have any questions, comments, complaints or suggestions regarding our privacy policy or our website, please contact us at:

Commercial Loans of Texas
1207 Antoine
Houston, Texas 77055
Phone: 1.877.895.3634
Email: texlend( @ )gmail.com

Service Areas: Houston | Dallas | Austin | San Antonio | Fort Worth | Near Me TX Construction Rates
Common Questions: Credit Score Required | How Long to Close | Hard Money vs DSCR | Bad Credit OK | DSCR Requirements | No Income Verification | Minimum Down Payment | Documents Required
✆ Call 877-895-3634 📄 Free Quote

Equestrian & Horse Facility Financing

Commercial real estate loans for boarding stables, riding arenas, training facilities, and equestrian centers across Texas.

A Real Commercial Asset, Underwritten Like One

Equestrian real estate is a legitimate, cash-flowing commercial property type — not just rural acreage with a barn on it. A working boarding facility generates recurring monthly board income per stall, arena rental fees, lesson and training revenue, and often ancillary income from hay/feed sales or event hosting, giving it an income profile that underwrites more like self-storage or a small multifamily property than like raw land. Texas is one of the largest horse-ownership states in the country, with a deep base of boarding demand around every major metro — commuter-distance facilities near Houston, Dallas-Fort Worth, San Antonio, and Austin routinely run full with waiting lists, and the state's large rural population supports training and breeding operations well beyond the suburban fringe.

Commercial Loans of Texas underwrites the real estate and its income stream directly — barn square footage, stall count and configuration, arena type (covered vs. outdoor, dimensions, footing), pasture acreage, and existing boarder base — rather than treating an equestrian property as unclassifiable rural land.

Boarding Stable Acquisition

Purchase financing for an existing operating boarding facility, underwritten against current stall occupancy and board rates.

Arena & Barn Construction

Ground-up or expansion financing for covered/indoor arenas, new barns, and stall additions to grow boarding capacity.

Training & Breeding Facilities

Financing for specialized training centers, breeding operations, and event/show facilities with round pens, wash racks, and viewing areas.

Ranch-to-Equestrian Conversion

Bridge and construction financing to convert raw acreage or an existing ranch into a purpose-built boarding or training operation.

What Lenders Actually Look At

  • Stall count and current occupancy — the core income driver, evaluated like unit occupancy on a rent roll
  • Arena and turnout quality — covered arena square footage, footing material, and available turnout/pasture acreage
  • Water rights and well capacity — irrigation and daily consumption needs for pasture and livestock, often the single biggest site-specific underwriting item in rural Texas
  • Zoning and agricultural exemption status — confirmed permitted use and any existing ag/wildlife valuation on the land
  • Access and trailer maneuverability — road frontage and site layout adequate for horse trailers and delivery vehicles

Building or Buying an Equestrian Property?

Get a same-day term sheet for your boarding stable, arena, or training facility.

Get Your Free Quote

Esports & Competitive Gaming Arena Financing

Commercial real estate loans for esports arenas, competitive gaming lounges, and LAN-event venues — a fast-growing spectator and participation category most conventional lenders still don't know how to underwrite.

A New Property Type Built Around Bandwidth and Seating, Not Kitchens

An esports arena or gaming lounge is a different build-out than a typical entertainment venue: tiered stadium seating or gaming-pod rows, redundant high-bandwidth fiber connections, heavy electrical load for hundreds of gaming PCs and consoles running simultaneously, dedicated HVAC sized for equipment heat load rather than just occupancy, and broadcast-capable lighting and audio for streamed tournaments. It's closer in some ways to a data center or a black-box theater than a restaurant or retail buildout, and generic entertainment-venue comps often miss what actually drives the property's value to an operator.

Commercial Loans of Texas finances the real estate behind competitive gaming venues — arena buildouts, gaming lounges, and hybrid café/tournament spaces — evaluated on the operator's membership or event-revenue model and the site's connectivity/electrical capacity, not treated like a generic retail or restaurant space.

Esports Arena Acquisition

Purchase or refinance of a tiered-seating competitive gaming venue built for hosted tournaments.

Gaming Lounge Build-Out

Construction/renovation financing for gaming-pod rows, high-bandwidth fiber, and dedicated electrical/HVAC upgrades.

Hybrid Café & Tournament Space

Financing for combined café/retail and competitive-gaming venues serving casual and league play.

Broadcast & Streaming Infrastructure

Build-out financing for stage lighting, audio, and camera infrastructure supporting streamed tournament events.

What Lenders Actually Look At

  • Electrical service capacity — hundreds of simultaneous high-draw gaming PCs need panel capacity generic retail space doesn't have
  • Fiber/bandwidth infrastructure — redundant, low-latency connectivity is non-negotiable for competitive and streamed play
  • Revenue model — membership fees, per-hour rates, tournament hosting revenue, and sponsorship all factor into underwriting
  • Operator track record — prior venue management or competitive-gaming industry experience
  • Zoning and occupancy classification — assembly-use occupancy limits and parking requirements for event nights

Financing an Esports Arena or Gaming Lounge?

Get a same-day term sheet for your competitive gaming venue.

Get Your Free Quote

Heavy Equipment & Construction Equipment Dealer Financing

Commercial real estate loans for dealerships selling, leasing, and servicing bulldozers, excavators, cranes, skid steers, and other heavy machinery across Texas.

A Different Property Than a Standard Auto Dealership

Heavy equipment dealerships carry real estate requirements that neither a conventional auto dealership nor a general industrial building fully accounts for. Reinforced concrete yards rated for tracked and wheeled loads well beyond passenger vehicle weight, service bays built around overhead cranes and in-ground lifts sized for multi-ton machines, parts warehousing for high-value inventory, and outdoor storage yards with security fencing and lighting are all standard requirements for a functioning dealership. Lenders unfamiliar with the equipment-dealer business model often underwrite the real estate as generic industrial space, missing both the specialized improvements that add real value and the site characteristics — drainage, load-bearing capacity, highway or rail access for equipment delivery — that actually drive a location's usefulness to the business.

Commercial Loans of Texas underwrites heavy equipment dealer real estate on its own terms: the yard capacity, the service bay configuration, and the dealership's actual sales and rental revenue, not a generic industrial comp that ignores what makes the property work for this specific use.

New & Used Equipment Dealers

Financing for showroom, service, and yard facilities for dealers representing manufacturers or selling used construction and earthmoving equipment.

Rental & Fleet Yards

Real estate for equipment rental operations — secured outdoor storage, wash-down pads, and maintenance shops for fleets that rotate between job sites.

Agricultural Equipment Dealers

Combine, tractor, and implement dealerships with large parts inventories and service departments built around farm-season demand cycles.

Expansion & Refinance

Cash-out refinance to fund a second location, or acquisition financing for a dealer buying an existing facility from a retiring owner.

What Lenders Actually Look At

  • Yard load capacity and drainage — reinforced surfacing and grading that keeps a storage yard usable in wet Texas seasons
  • Service bay clear heights and crane capacity — bays sized for the equipment classes actually being serviced, not a generic auto-shop layout
  • Site access — highway frontage or truck routes suitable for lowboy trailer deliveries of large machines
  • Manufacturer floor-plan and franchise agreements — dealer agreements often factor into underwriting alongside the real estate itself
  • Parts and inventory value — supports the overall lending case even though it's financed separately from the real estate

Financing a Heavy Equipment Dealership?

Get a same-day term sheet for your yard, service center, or dealership acquisition.

Get Your Free Quote

Hemp Cultivation & Processing Facility Financing

Commercial real estate loans for hemp greenhouses, drying barns, and CBD/CBG extraction facilities — a federally legal agricultural commodity under the 2018 Farm Bill, distinct from THC-restricted marijuana operations most banks won't touch.

Why Hemp Real Estate Is a Distinct Underwriting Category

Industrial hemp — grown for fiber, grain, or cannabinoid (CBD/CBG) extraction and capped at 0.3% THC — has been a federally legal agricultural commodity since the 2018 Farm Bill, and Texas licenses hemp production under the Texas Department of Agriculture's own program separate from the state's narrow Compassionate Use medical-marijuana framework. That legal distinction matters to a lender: hemp cultivation and processing real estate can be financed like any other specialty agricultural or light-industrial property, while THC marijuana cultivation and dispensary real estate remains federally illegal and effectively unbankable through conventional commercial channels regardless of state law elsewhere.

Commercial Loans of Texas finances the real estate side of a licensed hemp operation — greenhouse and hoop-house structures, curing and drying barns, and CO2/ethanol extraction buildings — evaluated on the property's build-out, utility capacity, and the operator's Texas hemp license standing, not treated as a generic ag or industrial comp.

Greenhouse & Hoop-House Acquisition

Purchase or refinance of climate-controlled greenhouse acreage for licensed hemp cultivation.

Extraction Facility Build-Out

Construction/renovation financing for CO2 or ethanol extraction buildings, including electrical and ventilation upgrades.

Drying & Curing Barns

Financing for post-harvest drying, curing, and storage structures with the airflow and humidity control hemp requires.

Fiber & Grain Processing

Real estate for decortication and grain-processing operations serving hemp's industrial-fiber and food markets.

What Lenders Actually Look At

  • Active Texas Department of Agriculture hemp license — standing and renewal history for the operator, not just the real estate
  • THC compliance testing history — a documented track record under the 0.3% federal threshold reduces crop-destruction risk
  • Utility capacity — electrical service for extraction equipment and lighting, water rights/access for irrigation
  • Zoning and setback compliance — many Texas counties layer additional ag-use or odor-nuisance ordinances onto hemp sites
  • Clear separation from THC marijuana activity — underwriting requires the operation stay within hemp's federal legal lane

Financing a Hemp Cultivation or Processing Facility?

Get a same-day term sheet for your greenhouse, extraction facility, or drying barn.

Get Your Free Quote

Manufactured Home Dealer & Retail Sales Lot Financing

Commercial real estate loans for manufactured and modular home retail sales lots — the showroom and display-model side of the business, distinct from financing the land under a mobile home park.

A Different Property Than a Park — Retail Real Estate for a Manufacturer's Dealer Network

A manufactured home dealer lot is retail real estate first: a paved and lit display yard for model homes, a sales office and design center, and often a small parts/service building for setup and warranty work — closer in structure to an auto dealership than to a mobile home park's rental-pad infrastructure. Texas is one of the largest manufactured-housing markets in the country, driven by both affordability pressure in fast-growing metros and demand from rural buyers, which keeps dealer lots busy along highway corridors near Houston, San Antonio, and DFW's outer suburbs.

Commercial Loans of Texas finances the real estate behind an independent manufactured-home dealership or a manufacturer's company-owned retail center — display lot, sales office, and service building — evaluated on the dealership's sales volume and manufacturer relationship, not treated like generic retail.

Dealer Lot Acquisition

Purchase or refinance of an existing manufactured/modular home retail sales lot and display yard.

Sales Office & Design Center Build-Out

Construction/renovation financing for the customer-facing sales and design-center building.

Service & Setup Facility

Financing for a parts, warranty-service, and home-setup coordination building on-site.

Multi-Location Dealer Expansion

Financing for a second or third retail lot as an established dealer network expands across Texas.

What Lenders Actually Look At

  • Manufacturer floor-plan relationship — active dealer agreements and inventory-financing lines with home manufacturers
  • Highway visibility and traffic count — display-lot value depends heavily on drive-by exposure
  • Sales volume and unit turnover — units sold per year against the lot's display capacity
  • Zoning for outdoor display and installation staging — a frequent friction point in retail corridors
  • Service/warranty operation — whether the dealer also handles setup and after-sale service on-site

Financing a Manufactured Home Dealer Lot?

Get a same-day term sheet for your dealership real estate.

Get Your Free Quote

MUD & PID Reimbursement Bridge Financing

Bridge financing for Texas developers carrying infrastructure costs ahead of Municipal Utility District and Public Improvement District bond reimbursement.

Why This Financing Gap Exists

Texas relies heavily on Municipal Utility Districts (MUDs) and Public Improvement Districts (PIDs) to fund the water, sewer, drainage, and road infrastructure that makes raw land developable — especially in the unincorporated fringe around Houston, Dallas-Fort Worth, San Antonio, and Austin where cities themselves aren't extending utilities. Under Chapter 49 (MUDs) and Chapter 372 (PIDs) of the Texas Local Government Code, a developer typically has to construct that infrastructure with its own capital first, then get reimbursed once the district issues bonds against future property tax or assessment revenue — a process that can take many months to a few years after construction is complete. That timing mismatch between "infrastructure built" and "bonds issued and reimbursement received" is exactly where developers get squeezed for working capital, particularly on multi-phase residential and mixed-use projects where the next phase can't break ground until the current phase's infrastructure spend is recovered.

Commercial Loans of Texas bridges that gap — financing against the developer's reimbursement receivable and the underlying land, so infrastructure spend doesn't have to sit as dead capital while the district works through its bond issuance timeline.

Infrastructure Cost Bridge

Short-term financing against water, sewer, drainage, and road construction costs pending MUD/PID bond reimbursement.

Multi-Phase Development Gap Financing

Capital to start the next phase of a project before prior-phase infrastructure reimbursement has been received.

Reimbursement Receivable Financing

Financing structured against a confirmed developer reimbursement agreement while bond issuance is pending.

Raw Land Pre-Development

Acquisition and carry financing for land ahead of MUD/PID petition, creation, and initial infrastructure buildout.

What Lenders Actually Look At

  • District status and reimbursement agreement — whether the MUD/PID is already created, and whether a developer reimbursement agreement is executed and confirmed
  • Bond issuance timeline — the district's TCEQ (for MUDs) approval status and realistic bond-sale schedule
  • Infrastructure documentation — engineering plans, construction contracts, and completed-cost certification supporting the reimbursement amount
  • Underlying land value and exit — appraised value of the land being developed and the absorption/sales plan for the platted lots
  • Developer track record — experience successfully carrying prior MUD/PID projects through to bond reimbursement

Carrying MUD or PID Infrastructure Costs?

Get a same-day term sheet for reimbursement bridge financing on your development.

Get Your Free Quote

Pawn Shop & Resale Retail Real Estate Financing

Commercial real estate loans for licensed pawn shops, resale stores, and secondhand retail — a durable, recession-resistant retail category with real security requirements most generic retail underwriting overlooks.

Retail Real Estate With Vault-Grade Security Needs

A pawn shop or resale retail storefront carries higher-value inventory on-site than most comparable retail square footage — jewelry, electronics, firearms, and other collateral — which means the building itself typically needs reinforced storage or vault space, commercial-grade security systems and monitored alarm coverage, and layout considerations for both retail display and secure back-of-house storage. Texas licenses and regulates pawnbrokers under the Texas Pawnshop Act through the Office of Consumer Credit Commissioner, and an established, licensed operator with a compliant location has a genuinely defensible, recession-resistant business — pawn lending and resale retail both tend to hold up, or even grow, during economic downturns.

Commercial Loans of Texas finances the real estate behind licensed pawn shops and resale retail operations — storefront acquisition, security/vault build-out, and multi-location expansion — evaluated on the operator's licensing standing and transaction volume, not treated like generic strip retail.

Pawn Shop Storefront Acquisition

Purchase or refinance of an existing licensed pawn shop location.

Vault & Security Build-Out

Construction/renovation financing for reinforced storage, vault space, and commercial security systems.

Resale & Secondhand Retail

Financing for consignment, resale, and secondhand goods retail storefronts.

Multi-Location Pawn Chain Expansion

Financing for an established operator adding a second or third licensed location.

What Lenders Actually Look At

  • Active Texas pawnbroker license — standing with the Office of Consumer Credit Commissioner
  • Security infrastructure — vault/safe rating, alarm monitoring, and camera coverage adequate for high-value inventory
  • Transaction and loan volume history — pawn-loan turnover and redemption rates supporting the operating model
  • Visibility and traffic count — corridor positioning drives walk-in volume for both pawn and resale traffic
  • Compliance history — any regulatory findings from state pawnbroker oversight

Financing a Pawn Shop or Resale Retail Location?

Get a same-day term sheet for your storefront.

Get Your Free Quote

Rental Car & Fleet Leasing Branch Financing

Commercial real estate loans for rental car branch lots and consumer/commercial fleet leasing locations — distinct from trucking terminals or auto dealer floorplan financing, and built around vehicle-storage and quick-turnaround servicing needs.

A Different Property Profile Than a Dealership or Trucking Yard

A rental car branch or fleet leasing lot needs paved, well-lit vehicle staging with fast in/out traffic flow, a quick-turnaround wash and detail bay, minor service and tire infrastructure, and often airport-proximate or high-visibility corridor positioning that drives walk-up and pre-booked volume. That's a different underwriting profile than an auto dealer's floorplan-financed showroom inventory or a trucking company's terminal — the real estate itself, not manufacturer inventory, is the collateral, and value depends heavily on location relative to airports, hotel districts, and corporate business parks.

Commercial Loans of Texas finances the real estate behind independent rental car franchisees, regional fleet leasing operators, and corporate fleet servicing yards — evaluated on traffic access, lot capacity, and proximity to demand drivers, not generic auto-related comps.

Rental Branch Lot Acquisition

Purchase or refinance of an independent rental car franchise location, airport-adjacent or corridor-sited.

Fleet Leasing Yard Build-Out

Construction/renovation financing for consumer and commercial fleet leasing storage and staging lots.

Wash, Detail & Quick-Turn Service Bay

Financing for rapid-turnaround vehicle wash, detail, and minor-service infrastructure serving a rental fleet.

Corporate Fleet Servicing Yard

Real estate for delivery, rideshare, or corporate fleet operators needing centralized staging and maintenance.

What Lenders Actually Look At

  • Proximity to demand drivers — airports, hotel corridors, and corporate business parks materially affect lot value
  • Traffic flow and lot layout — vehicle stacking capacity and in/out circulation for high daily turnover
  • Franchise or brand agreement standing — for branded rental locations, agreement term length matters to a lender
  • Wash/service infrastructure condition — water reclamation and drainage compliance for wash bays
  • Zoning for vehicle storage and outdoor display — a common friction point in retail-adjacent corridors

Financing a Rental Car or Fleet Leasing Location?

Get a same-day term sheet for your rental branch or fleet yard.

Get Your Free Quote

Indoor Shooting Range & Firearms Training Facility Financing

Commercial real estate loans for indoor and outdoor shooting ranges, firearms training centers, and retail gun shops across Texas.

A Specialized Build-Out, Not a Generic Retail Space

An indoor range is one of the more heavily engineered tenant improvements in commercial real estate. Ballistic-rated backstops and baffling, bullet trap systems, HVAC engineered for lead-particulate air exchange and negative pressure containment, sound attenuation to meet local noise ordinances, and range separation walls rated for the calibers being fired all add real construction cost — and real value — well beyond a standard retail or warehouse build-out. Texas's strong firearms culture and comparatively favorable regulatory environment (no state-level ban on range operations, broad concealed and open carry law supporting a large training-and-practice customer base) make range and training facility real estate a durable, cash-flowing property type here in a way it isn't in every state.

Commercial Loans of Texas understands the business model — membership and lane-rental revenue, retail firearms and ammunition sales, and CHL/LTC and defensive training courses — and underwrites the real estate accordingly instead of treating it as unclassifiable specialty space.

New Facility Acquisition

Purchase financing for an existing range/retail building, including facilities being converted from prior industrial or warehouse use.

Ground-Up Range Construction

Construction-to-permanent financing for a purpose-built range, covering the ballistic and HVAC build-out along with the shell.

Retail Gun Shop + Training Center

Combined retail, classroom, and lane real estate for FFL-licensed dealers offering CHL/LTC and defensive training courses.

Outdoor Range & Land

Acreage and improvement financing for outdoor ranges, including berms, shooting bays, and clubhouse/office structures.

What Lenders Actually Look At

  • Ballistic engineering documentation — backstop, baffle, and trap specs from a qualified range design firm carry real weight in underwriting
  • Environmental and air-quality compliance — HVAC/lead-abatement system meeting OSHA and local air-quality standards
  • Zoning and local ordinance history — confirmed permitted use, since range zoning fights are the most common source of delay
  • Membership base and lane utilization — recurring membership revenue is treated similarly to recurring rent in underwriting
  • FFL and any SOT licensing status — relevant to retail and training-program revenue streams

Building or Buying a Range Facility?

Get a same-day term sheet for your range, training center, or retail firearms real estate.

Get Your Free Quote

Trucking Terminal & Fleet Maintenance Yard Financing

Commercial real estate loans for trucking company terminals, freight cross-dock facilities, and fleet maintenance yards — not to be confused with roadside travel-plaza truck stops.

Owner-Operator Real Estate for a Trucking or Logistics Company

A trucking or freight company's own terminal is a different property from the fuel-and-food travel plazas along the interstate. It's the base of operations: a paved trailer and tractor storage yard, a maintenance shop with in-ground or above-ground lifts and diesel-rated bay doors, a fuel island for the company's own fleet, driver facilities, and often a small dispatch/office building. Texas's position as a national freight hub — I-35, I-45, and I-10 corridors, the Laredo and El Paso border crossings, and the DFW/Houston distribution markets — makes this a durable, high-demand property type for carriers, freight brokers, and logistics companies headquartered or operating out of the state.

Commercial Loans of Texas finances the real estate a carrier actually needs to operate — yard capacity, maintenance infrastructure, and dispatch/office space — evaluated against the company's freight volume and route structure, not generic industrial comps that miss what drives the property's value to a trucking operation.

Carrier Terminal Acquisition

Purchase or refinance of an existing terminal yard for an owner-operator fleet or regional carrier.

Fleet Maintenance Shop Build-Out

Construction or renovation financing for diesel-rated service bays, lifts, and parts storage for in-house fleet maintenance.

Cross-Dock & Freight Terminal

Financing for LTL and freight-brokerage cross-dock facilities with multiple dock doors and trailer staging yards.

Trailer & Container Storage Yards

Land and paving financing for secured trailer, chassis, and intermodal container storage near port and rail hubs.

What Lenders Actually Look At

  • Yard paving and trailer capacity — surface load rating and the number of tractor/trailer spaces the site actually supports
  • Highway access — proximity to interstate on-ramps and truck routes, since terminal value drops fast on poor access
  • DOT and environmental compliance — fuel island permitting, stormwater runoff controls, and used-oil/waste handling for maintenance shops
  • Carrier operating authority and freight volume — MC number standing and load volume support the underwriting case alongside the real estate
  • Zoning for truck parking and industrial use — a frequent point of friction in growing suburban corridors

Financing a Trucking Terminal or Fleet Yard?

Get a same-day term sheet for your terminal, maintenance shop, or trailer storage yard.

Get Your Free Quote

Waste Transfer Station & Recycling Facility Financing

Commercial real estate loans for waste transfer stations, material recovery facilities (MRFs), and scrap/recyclables processing sites — durable, essential-service infrastructure most banks underwrite too conservatively.

Essential-Service Real Estate With Real Barriers to Entry

A waste transfer station or material recovery facility isn't a typical industrial building — it's reinforced-slab tipping floors rated for loaded trucks and front-end loaders, truck scales, leachate and stormwater containment, baling and sorting-line infrastructure, and the TCEQ permitting that comes with any solid-waste handling operation in Texas. That permitting burden is exactly what makes existing, already-licensed facilities valuable: new supply is slow and politically difficult to site, so operators with a permitted location have real pricing power and a durable, growing volume base as Texas's population expands.

Commercial Loans of Texas finances the real estate behind waste and recycling operations — transfer stations, MRFs, scrap metal yards, and construction & demolition (C&D) debris processing sites — evaluated on permit status, tipping-floor capacity, and contracted haul volume, not treated like a generic warehouse.

Waste Transfer Station Acquisition

Purchase or refinance of a permitted transfer station with reinforced tipping floor and truck scale infrastructure.

Material Recovery Facility (MRF) Build-Out

Construction or equipment-integrated financing for sorting lines, balers, and conveyor infrastructure.

Scrap Metal & C&D Recycling Yards

Land and paving financing for scrap metal processing and construction/demolition debris recycling sites.

Compost & Organics Processing

Financing for permitted organics/yard-waste composting operations and associated pad infrastructure.

What Lenders Actually Look At

  • TCEQ permit status — an active, transferable solid-waste or recycling permit is often the single most valuable asset on the site
  • Tipping floor and scale capacity — slab load rating and daily throughput determine real operating value
  • Contracted haul volume — municipal or hauler contracts backing consistent inbound tonnage
  • Environmental containment — leachate collection, stormwater controls, and groundwater monitoring compliance
  • Buffer and zoning compliance — setback requirements from residential use are a frequent siting constraint

Financing a Transfer Station or Recycling Facility?

Get a same-day term sheet for your waste transfer, MRF, or recycling property.

Get Your Free Quote

Water Park & Aquatic Center Financing

Commercial real estate loans for family water parks, indoor aquatic centers, and swim/recreation complexes across Texas.

Heavy Infrastructure, Strong Seasonal Cash Flow

Water park and aquatic center real estate carries some of the heaviest mechanical and civil infrastructure of any entertainment property type — pool shells and structural waterproofing, filtration and water-treatment plant capacity, pump and slide mechanical systems, and (for indoor facilities) HVAC engineered specifically for natatorium humidity control to protect the building envelope from long-term moisture damage. That infrastructure is also what makes the asset defensible: it's expensive and slow to replicate, which limits new competitive supply in a given trade area. Texas's long, hot operating season supports strong outdoor water park attendance for five to seven months a year, while indoor aquatic centers and swim schools generate steadier year-round membership and lesson revenue that smooths out the seasonality an outdoor-only park would otherwise carry alone.

Commercial Loans of Texas underwrites the real estate against its actual revenue mix — gate admissions, season passes, food and beverage, cabana/rental income, and swim lesson or membership revenue for indoor facilities — rather than treating the property as a generic recreation building.

Outdoor Water Park Acquisition

Purchase financing for an existing seasonal water park, underwritten against trailing attendance and per-cap spending history.

Indoor Aquatic Center Construction

Ground-up or conversion financing for year-round indoor pool, swim school, and aquatic fitness facilities.

Attraction & Slide Expansion

Financing to add slide towers, wave features, lazy rivers, or splash-pad expansions to an existing park's footprint.

Municipal & Membership Club Facilities

Financing for privately operated swim clubs and membership-based aquatic centers serving a residential trade area.

What Lenders Actually Look At

  • Pool shell and structural condition — age and inspection history of the concrete/shotcrete shell and waterproofing membrane
  • Filtration and mechanical system capacity — treatment plant sizing relative to bather load and any deferred mechanical maintenance
  • Attendance and revenue seasonality — trailing gate/pass revenue by month, and how food, beverage, and rental income supplement admissions
  • Health department and safety compliance history — inspection record, lifeguard staffing model, and any prior code violations
  • Insurance and liability structure — aquatic facilities carry higher liability exposure, which lenders factor into coverage requirements

Building or Buying an Aquatic Facility?

Get a same-day term sheet for your water park, aquatic center, or swim facility.

Get Your Free Quote
Commercial loans by city — all 199 locations →
📞 Free Quote — 877-TX-LENDING (877-895-3634)