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Construction Loans

Construction Loans – Texas Commercial Loans

A construction loan is short-term real estate financing — usually up to three years — secured by a mortgage on the property being built or renovated. It covers land development and building construction costs, disbursed in stages: as needed, as each phase is completed, on a prearranged draw schedule, or when a specific condition (like foundation completion or framing) is met.

How Construction Loan Draws Work

Rather than funding the full loan amount up front, construction loans release money in stages tied to verified progress — protecting both the lender and the borrower from paying interest on undisbursed funds. A typical draw schedule follows major construction milestones: site work and foundation, framing, mechanical/electrical/plumbing rough-in, and finish-out, with an inspection at each stage before the next draw releases.

Construction-to-Permanent Financing

Construction loans are typically paid off from the proceeds of permanent financing — usually structured over 20 to 30 years — which is itself repaid from the cash flow generated by the completed, leased-up building. That permanent take-out financing is generally arranged and approved before the construction loan is disbursed, so there’s a clear exit plan in place from day one. Also called a building loan, construction mortgage, or development loan.

What We Finance

Start your construction loan: 877-TX-LENDING (877-895-3634)

Service Areas: Houston | Dallas | Austin | San Antonio | Fort Worth | Near Me TX Construction Rates
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New Construction

Commercial Construction Loans in Texas:
Ground-Up Financing That Moves

Commercial construction loans fund the build, not the finished product. Understanding how they're structured — draws, inspections, interest reserves — tells you what to expect from Day 1 through certificate of occupancy.

🏗️Ground-Up Construction

Funds horizontal development and vertical construction on raw or entitled land. The most complex construction loan type — requires complete plans, permits, cost breakdown, and contractor vetting. Interest paid on drawn balance only.

Loan-to-CostUp to 70–75% LTC
Loan-to-ARVMax 65% of completion value
Term12–24 months
InterestOn drawn balance (IO)
ExitPerm loan, sale, or CMBS refi

🔨Gut Rehab / Major Renovation

Existing structure being taken down to studs — new MEP, new interior, potentially new exterior skin. Treated like construction by most lenders. Requires full scope of work, licensed GC, and draw schedule aligned to renovation phases.

Loan-to-CostUp to 75% LTC
Max ARV loan65–70% of ARV
Term12–18 months
Draws3–5 per project
InspectionThird-party per draw

🏢Build-to-Suit

Construction of a commercial building pre-leased to a specific tenant. The lease agreement reduces lender risk significantly — many build-to-suit deals close at 75–80% LTC because a credit tenant lease is essentially collateral. Office, industrial, and healthcare are common BTS property types in Texas.

Loan-to-CostUp to 80% (with credit tenant)
Term12–24 months construction
ExitPermanent NNN loan or sale
Rate advantageOften 0.5–1% lower rate

🏘️Horizontal / Land Development

Raw land development — utility infrastructure, roads, pads. Highest risk construction category. Lenders look closely at entitlement status, absorption projections, and developer experience. Typically requires 30–35% equity with proceeds released in phases as lots sell or infrastructure milestones are reached.

Loan-to-Cost60–70% LTC
Equity required30–40%
Term18–36 months
PrerequisiteEntitlement in hand preferred

How Construction Draw Schedules Work

The full loan amount isn't disbursed at closing — it's released in stages as verified construction milestones are completed. Here's a typical 5-draw commercial construction loan:

Draw 1
10%

Foundation & Mobilization

Released at loan close after land acquisition confirmed. Covers site prep, utility rough-ins, and foundation work.

Footings poured and inspected · Utility connections started · GC mobilized on site
Draw 2
25%

Framing Complete

Largest draw — framing is the most material-intensive phase. Structural inspections required before release.

Framing passed inspection · Roof deck installed · Windows and exterior doors rough-in
Draw 3
25%

Rough MEP Inspections

Mechanical, electrical, and plumbing rough-ins complete — the work that lives inside the walls before drywall goes up. Must pass city inspection.

Electrical rough-in passed · Plumbing rough-in passed · HVAC ductwork complete
Draw 4
25%

Drywall & Interior Finishes

Drywall hung and finished, interior finishes in progress. Exterior complete. Lender inspection confirms progress matches disbursement.

Drywall complete and taped · Exterior paint/finish done · Flooring in progress
Draw 5
15%

Certificate of Occupancy

Final draw released upon receipt of Certificate of Occupancy from the city. Building is complete, punch-list done, ready for occupancy or lease-up.

CO issued by city · Final inspections passed · Lien waivers from all subs collected

Construction Loan Qualifies If:

Borrower has prior development or construction experience
Licensed, bonded general contractor with commercial project history
Complete construction plans, permits in hand or in review
Detailed cost breakdown with contractor bids for major trades
Realistic completed value supported by market comps or pre-lease
Borrower equity of 25–35% or strong land position
Clear exit strategy: permanent loan, sale, or lease-up with known tenant

Construction Loan Won't Work If:

No entitlements or permits — lenders won't fund speculative pre-approval
No licensed GC — owner-builder commercial loans are extremely rare
Construction budget unsupported by contractor bids ("I'll figure it out")
No equity — 100% LTC deals are essentially unavailable outside equity JV structures
Unrealistic completion timeline (bank requires completion reserves for overruns)
No clear take-out plan — lenders won't fund if exit is unknown
75%
Max LTC
Of total project cost; less for land-heavy deals
65%
Max LTV (ARV)
Based on completed appraised value
24 mo
Max Term
12-24 months typical; complex projects to 36
IO
Payment Type
Interest-only on drawn balance during construction
$500K
Min Loan
Minimum project size for commercial construction

Shovel-Ready or Planning Stage — We Want to Hear About It

Submit your project summary: property address, plans status, total project cost estimate, and your contractor. We'll tell you where you stand and what the financing looks like within 24 hours.

Submit Your Construction Project →

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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Modular & Container Building Financing

Modular & Container-Based Building Financing:
When Off-Site Construction Changes the Underwriting

Modular (factory-built, permanently installed) and container-based structures have moved well past temporary job-site trailers into real permanent commercial use — retail pop-ups, restaurant and coffee-kiosk buildouts, offices, self-storage add-ons, and workforce housing. The construction method changes how a lender looks at draws, appraisal comps, and permanent-loan takeout, and that's exactly where we start.

Off-Site Build
Most Value Created Before Installation
Draw Schedule
Structured Around Factory + Site Milestones
Permanent Foundation
Required for Real-Property Treatment
Varies
By Use, Jurisdiction & Modular Vendor

The core underwriting question is whether the structure is permanently affixed real property (foundation, utility hookups, no wheels or removable chassis) or something closer to personal property that happens to sit on a commercial site. Permanently installed modular buildings on owned or long-leased land underwrite like conventional commercial real estate; anything closer to a movable, non-permanent installation gets evaluated very differently.

What We Look At

Modular Retail & Restaurant

Factory-built retail pads, coffee kiosks, and quick-service restaurant buildings

Modular Office & Workforce Housing

Permanently installed office space and multi-unit workforce/crew housing

Container-Based Commercial Space

Shipping-container retail, storage, and mixed-use buildouts on a permanent slab

Modular Additions to Existing Sites

Self-storage offices, ancillary buildings, and expansions added to an existing property

Financeable Profile

Permanent foundation, code-approved utility hookups, and local building department sign-off
Established modular fabricator with a track record and clear factory-to-site draw milestones
Land owned or under a long-term lease, with the structure treated as real property, not personal property
Comparable sales or lease data supporting value for the finished, installed structure

Needs Closer Underwriting

Structure retains a removable chassis, wheels, or is not permanently affixed to the land
First-time or unproven modular fabricator with no completed comparable projects
Thin local comps for a finished modular or container building in that specific use and market
Draw structure that releases most funds before factory completion is verified

Why the Draw Schedule Looks Different

With site-built construction, value accrues in place, in front of the lender, as the building goes up. With modular and container construction, a large share of value is created off-site at a factory before anything is ever delivered — so draws typically split between factory-progress payments (often milestone- and inspection-verified) and a smaller site-work/installation tranche. We structure financing around that split rather than forcing a standard site-built draw schedule onto an off-site build.

Financing a Modular or Container-Based Building?

Tell us about the build method, fabricator, and installation site. We'll structure financing around how the value is actually being created.

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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.

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?

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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?

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

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

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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?

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

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