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Bridge Loans

Bridge Loans – Texas Commercial Loans

A bridge loan is short-term financing — usually one to twelve months, though Commercial Loans of Texas structures terms to fit the deal — advanced to cover the gap between two transactions or two stages of financing. It’s arranged to complete a purchase before a sale closes, to acquire and stabilize a property before permanent financing is available, or to close quickly on a deal a conventional lender can’t underwrite in time. Also called bridge finance, a bridging loan, or gap financing.

When Borrowers Use a Bridge Loan

How Bridge Financing Works

Because bridge loans are asset-based, underwriting focuses on the property’s value and exit strategy rather than exhaustive income documentation. That makes bridge loans faster to close — often in 1-3 weeks — but they typically carry higher rates than long-term commercial mortgages, reflecting the shorter term and faster underwriting. Most borrowers plan an exit into permanent financing, a sale, or another refinance once the property is stabilized or the triggering event resolves.

Property Types We Bridge-Finance

Office, retail, multifamily, industrial, hospitality, and special-purpose commercial real estate throughout Texas.

Discuss your bridge loan: 877-TX-LENDING (877-895-3634)

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
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Bridge Financing

Commercial Bridge Loans in Texas:
Speed When Conventional Can't Move

A bridge loan is short-term, asset-based financing that closes fast and gets out of the way. It's not a replacement for conventional financing — it's what you use when timing, property condition, or deal complexity makes a bank impractical.

🏗️

Lease-Up & Stabilization

Property has significant vacancy and doesn't qualify for permanent financing yet. Bridge covers the acquisition and operating gap while you lease the asset to stabilization.

Typical term12–24 months
ExitPermanent CMBS/bank refi
🔨

Value-Add Renovation

Buying a C-class property and repositioning it to B. Conventional lenders won't touch the as-is condition. Bridge funds acquisition plus renovation draws.

Typical term12–18 months
ExitDSCR loan at stabilization
⏱️

Time-Critical Close

Off-market deal, auction purchase, or motivated seller who needs to close in 10–21 days. Bank timelines of 60–90 days make the deal impossible. Bridge makes it possible.

Typical term6–12 months
ExitRefinance or sale
📋

Entitlement & Permitting

Land or a building in the permit/entitlement process. Construction lenders won't fund until entitlement is in hand. Bridge finances the gap between purchase and shovel-ready.

Typical term12–36 months
ExitConstruction loan
📤

1031 Exchange Timing

45-day identification and 180-day close deadlines under IRC 1031 create timing pressure. Bridge funds the replacement property purchase while the exchange is being structured.

Typical term6–12 months
ExitConventional refi or DSCR

Bridge vs. Hard Money vs. Bank: Side by Side

Three very different tools — knowing when to use each one saves you time, money, and headaches.

Bridge Loan
Hard Money
Bank / CMBS
Best For
CRE value-add, lease-up
Fix-and-flip residential
Stabilized income properties
Close Time
14–30 days
7–14 days
45–90 days
Rate
9–12%
10–13%
7–9%
Max LTV
70–75% LTC
65–75% LTC
65–75% stabilized
Term
12–36 months
6–12 months
5–30 years
Income Requirement
Asset-based, minimal
None
Full DSCR underwrite
Distressed OK?
Yes
Yes
No — stabilized only

Real Texas Bridge Loan Scenarios

How investors use bridge financing to execute deals that conventional lenders simply can't handle:

1
Houston Strip Center — 60% Occupied at Acquisition

Investor acquires a 10-unit strip center at $1.2M with 4 vacant units. At 60% occupancy the NOI doesn't support conventional financing. Bridge loan at 65% LTV ($780K) funds the acquisition. Over 14 months investor leases remaining units, pushing occupancy to 92%. Refinances into CMBS at $1.55M appraised value — pulling $120K cash at refi.

Bridge term: 18 months | Bridge rate: 10.5% | Exit: CMBS at 7.25% | Net outcome: increased property value by $350K, pulled $120K cash at refi
2
DFW Office Building — 1031 Exchange with Timing Pressure

Investor sells an apartment complex and enters a 1031 exchange. With 38 days left in the identification window, they locate a 12,000 SF suburban office building at $1.8M. The seller needs to close in 21 days — impossible for a conventional lender. Bridge loan closes in 18 days. Investor takes 6 months to complete the 1031 paperwork, then refinances into a SBA 504 owner-occupancy loan at 6.8%.

Bridge term: 8 months | Bridge rate: 11% | 1031 exchange completed successfully | Deferred capital gains: ~$210,000
3
San Antonio Mixed-Use — Renovation + Lease-Up

A 6-unit mixed-use building (4 retail, 2 residential) needs $180K in renovations and has 3 vacant units. Purchase price: $650K. Bridge loan covers acquisition ($650K) plus renovation holdback ($180K) = $830K total commitment at 72% LTC. Renovation completed in 9 months, all units leased at market rate. Permanent DSCR loan at stabilization pays off the bridge at a $980K appraised value.

Bridge term: 14 months | LTC: 72% | Renovation via draw schedule | Exit: DSCR at 1.31× coverage
14–21
Days to Close
For experienced borrowers with title open
9–12%
Interest Rate Range
Varies by LTV, deal complexity, borrower experience
75%
Max LTC
Of total project cost (purchase + renovation)
36 mo
Max Term
Standard 12–18 months; complex projects to 36
$500K+
Min Loan Size
Commercial bridge loans; smaller = hard money

Have a Deal That Needs to Close Fast?

Submit your deal — address, acquisition price, rehab scope, and your exit plan. We'll have a bridge loan term sheet back within 24 hours. Texas CRE only.

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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.

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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.

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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.

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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.

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Loan Type Guide

5 Types of Texas Commercial Loans —
Which One Do You Need?

Bridge, hard money, construction, permanent, SBA — each serves a different purpose at a different cost. Here's how they compare so you can match the right loan to your deal.

1
Bridge Loan

Bridge Financing

Short-term gap financing, 6–36 months
Rate8–11%
Term6–36 months
Max LTV75–80%
AmortizationInterest-only
Close Time2–4 weeks

Used to bridge from one state to another: buy before you sell, buy a property that needs stabilization before a permanent loan, or fund a value-add project before a conventional refinance. Lower rate than hard money, slightly slower close.

2
Hard Money

Hard Money Loan

Asset-based, fast close, distressed properties
Rate11–14%
Term6–18 months
Max LTV75–85% of purchase
AmortizationInterest-only
Close Time7–14 days

The fastest close, highest rate. Used for fix-and-flip, auction purchases, and distressed acquisitions that can't qualify for bridge or conventional. Property condition is irrelevant — we lend on ARV and equity.

3
Construction

Construction Loan

New builds and major rehabs, draw-based
Rate9–13%
Term12–24 months
Max LTC75–80% of cost
AmortizationDraw schedule (IO)
Close Time3–5 weeks

Funds released in draws as construction milestones are met — not upfront. Interest only on drawn amount. Converts to permanent loan or is paid off upon completion. Requires approved plans, permits, and a licensed GC.

4
Permanent / DSCR

Permanent Loan

Long-term hold, income-producing property
Rate7–8.5%
Term5–30 years
Max LTV75–80%
Amortization25–30 years
Close Time2–4 weeks

The long-game loan: stabilized rental income qualifies the loan, not your personal W-2. DSCR loans have no property count limit, work for LLCs, and close faster than conventional. Used for buy-and-hold investors who want predictable 30-year payments.

5
SBA

SBA 7(a) / 504

Owner-occupied business real estate, low down
RatePrime+2.75% / 5.5–6.5%
Term10–25 years
Down Payment10–15%
AmortizationFully amortizing
Close Time45–90 days

Only for businesses that owner-occupy the property (51%+ for 7(a), 51%+ for 504). Lowest down payment available. Slowest close. SBA 504 splits the loan between a bank (50%) and SBA CDC (40%) — best fixed-rate option for qualifying businesses.

Loan Sequencing by Deal Type

Most deals use multiple loan types in sequence. Here's how experienced Texas investors stack them:

Fix & Flip (In-and-Out)
Hard Money (acquire)→Hard Money (carry rehab)→Payoff at sale
BRRRR — Buy, Rehab, Rent, Refi, Repeat
Hard Money (acquire)→Stabilize + rent→DSCR Permanent (30yr)
Ground-Up Construction → Hold
Construction Loan→Lease-up period→Permanent / DSCR
Value-Add Multifamily Acquisition
Bridge Loan (acquire + rehab)→DSCR at stabilized value (pull equity)
Owner-Occupied Business Property
SBA 504 or 7(a)→Hold + business growth

Not Sure Which Loan Type Fits Your Deal?

Describe your project and Daniel will tell you which structure makes the most sense — and issue a term sheet within 24 hours if it's fundable.

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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.

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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.

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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.

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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.

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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.

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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?

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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?

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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?

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