Commercial Loan Closing Timeline — Texas 2026
The biggest question every Texas investor asks: how fast can we close? The answer depends on the loan type.
| Loan Type | Typical Close Time | What Drives Speed |
|---|---|---|
| Hard Money | 7–14 days | Appraisal + title search |
| Bridge Loan | 10–21 days | Property condition, equity |
| Stated Income / DSCR | 14–21 days | Rent rolls + title |
| SBA 7(a) | 45–90 days | SBA approval queue |
| Conventional / Bank | 60–120 days | Underwriting, appraisal |
What Slows a Commercial Loan Down?
The three biggest delays: (1) slow appraisals — we use a panel of fast-turnaround appraisers; (2) title issues — old liens, estate problems, or missing surveys; (3) borrower documents — have your rent roll, leases, entity docs, and insurance ready day one.
How to Close in 7 Days
Hard money loans can close in as few as 7 business days when: the property is clear of title issues, the borrower has equity (65% LTV or less), and all documents are submitted on day one. We’ve closed deals in 5 days for repeat clients.
Start your application now and tell us your target close date — we’ll build the schedule around it.