When you need to move fast on a commercial deal in Texas — and a bank’s 60-90 day timeline isn’t an option — a commercial bridge loan is your answer. We close bridge loans in Texas in as few as 7–10 business days, with no tax returns and no income verification required.
What Is a Commercial Bridge Loan?
A bridge loan is short-term financing (typically 12–24 months) that “bridges” the gap between buying or stabilizing a property and securing long-term permanent financing. Investors use bridge loans when:
- The property is vacant or partially leased and won’t qualify for bank financing yet
- They need to close fast on an acquisition before a competitor does
- They’re in the middle of a renovation or lease-up
- Their bank is moving too slowly and the deal is time-sensitive
- They need cash-out on an existing property to fund another deal
Our Texas Commercial Bridge Loan Terms
| Loan Amount | $200,000 – $10,000,000+ |
| LTV | Up to 70–75% of current value; up to 80% of ARV |
| Term | 12, 18, or 24 months (extensions available) |
| Rate | 9–13% depending on deal and LTV |
| Payments | Interest-only monthly |
| Close Time | 7–14 business days |
| Income Verification | Not required |
| Tax Returns | Not required |
Property Types We Bridge in Texas
- Office buildings (vacant or transitional)
- Retail strip centers and single-tenant retail
- Industrial/warehouse
- Mixed-use (retail + residential)
- Multifamily (5+ units)
- Hotel and hospitality
- Self-storage
- Special-use (car washes, gas stations, restaurants)
- Land (with a clear exit strategy)
How the Bridge Loan Process Works
- Submit your deal — property address, loan amount needed, your exit strategy
- Term sheet in 24 hours — we respond fast, usually same business day
- Appraisal ordered — we use our own approved appraisers who move quickly
- Title and docs — standard commercial closing package
- Fund and close — typically 7–14 business days from signed term sheet
Exit Strategies We Accept
Every bridge loan needs a clear exit. Common exits we see:
- Refinance into a DSCR or conventional loan once property is stabilized
- Sell the property (fix-and-flip or value-add)
- Lease-up then refinance with a bank or agency lender
- Complete construction then sell or refinance
Texas Markets We Bridge
We close bridge loans throughout Texas — Houston, Dallas, Fort Worth, San Antonio, Austin, El Paso, Corpus Christi, Lubbock, Midland/Odessa, Amarillo, Beaumont, and all secondary and tertiary Texas markets.
Get a Bridge Loan Term Sheet Today
Tell us about your deal and we’ll have a term sheet back to you within 24 hours. No commitment required. Submit your deal here or call us directly.
Related: Hard Money Loans Texas | Hard Money Takeout Loans | All Loan Programs