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Specialty Infrastructure Financing in Texas

None of these assets is valued as a building. A tower, a sign, a solar array, a charging plaza and a data hall are all valued off a contract — a lease, a power purchase agreement, a colocation agreement — and the counterparty’s credit does most of the work.

What this page covers

  • Cell Tower & Telecom Infrastructure Land Loans
  • Billboard & Outdoor Advertising Loans
  • Solar Farm & Renewable Energy Land Loans
  • EV Charging Station Loans
  • Data Center Financing

What these files have in common

Read the contract term against the amortisation, confirm who owns the equipment at the end of it, and establish what the site is worth with the contract gone. That last question is where these files are won or lost.

Our minimum loan is $200,000. We are a direct commercial lender working across the 43 states we serve, in business since 1998. Rates are quoted on the file rather than published — call and we will price the deal in front of us.

Ground lease & leasehold · NNN & triple-net · Land & ranch · Loan Structures and the Capital Stack · All property types

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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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Billboard & Outdoor Advertising Financing

Billboard & Outdoor Advertising Loans:
Financing Texas Sign & Media Structure Real Estate

Billboard and outdoor advertising structures generate steady, contract-based lease income, but the underlying land parcels are often small, oddly-shaped, or ground-leased — exactly the kind of collateral most banks won't underwrite. We finance against the real advertising revenue and permit standing, not a generic land-value formula that undervalues what actually makes these assets work.

55-65%
Max LTV
Quoted on your deal
Rate Range
10-20 yr
Amortization
3-5 wks
Typical Close

Billboard structures sit on small ground leases or fee-owned parcels that don't fit standard commercial real estate underwriting — there's no building to appraise in the conventional sense, and value is driven almost entirely by advertising contract revenue, TxDOT/municipal permit status, and visibility/traffic count. Most banks either decline outright or price these deals as unsecured business loans, ignoring the real, durable value of a permitted structure with an active advertiser roster.

What We Finance

Single Billboard Structures

Purchase or refinance of individual permitted billboard structures with active leases

Billboard Portfolios

Financing for operators acquiring or refinancing multiple structures across markets

Digital Conversion Capital

Capital to convert static faces to digital displays, increasing per-structure revenue

Ground Lease Positions

Financing structures on ground-leased parcels with long-term lease terms remaining

Strong Underwriting Profile

Current, transferable TxDOT/municipal outdoor advertising permits with no violations
Active advertiser contracts or a documented occupancy/rate history
Ground lease with 10+ years remaining (or fee-simple land ownership)
High-visibility location with strong daily traffic counts
Structure condition requiring no major near-term capex

Harder to Finance

Unpermitted or grandfathered structures with unclear legal status
Short remaining ground lease term with no renewal option
Vacant/unleased faces with no advertiser revenue history
Structures facing removal risk from road/highway reconfiguration plans

Acquisition, Digital Upgrade, or Portfolio Refinance

Whether you're acquiring an operator's billboard portfolio, converting static faces to higher-revenue digital displays, or refinancing a maturing note against a stabilized advertiser roster, we structure financing around the real permit status and revenue — not a generic land loan that ignores what actually drives this asset class.

Financing a Texas Billboard or Outdoor Advertising Structure?

Send us the permit status, structure count, and lease/revenue details. We'll tell you what it qualifies for — usually within 48 hours.

Submit Your Billboard Loan Request →
Cell Tower & Telecom Land Financing

Cell Tower & Telecom Infrastructure Land Loans:
Financing Texas Ground Leases

Landowners with a cell tower, fiber hub, or other telecom infrastructure ground lease on their property often want to leverage that contracted lease income — for land acquisition, refinancing, or cash-out — but most conventional lenders don't know how to underwrite telecom lease income any better than they know solar or wind leases. We do.

55-65%
Max LTV
Quoted on your deal
Rate Range
10-20 yr
Amortization
4-6 wks
Typical Close

Cell tower and telecom infrastructure ground leases — typically signed with major carriers or tower companies for 25+ years with built-in escalations — represent some of the most stable, creditworthy lease income available on rural and suburban land, since the tenants are almost always large, investment-grade telecom companies. Yet conventional lenders routinely decline to underwrite this income, treating the land like undeveloped raw acreage and ignoring the durable cash flow sitting on top of it.

What We Finance

Ground-Leased Land Refinance

Cash-out or rate/term refinance against land under an active telecom lease

Land Acquisition

Purchase financing for acreage with an existing telecom infrastructure lease

Fiber & Data Infrastructure

Financing for land under fiber hub, data backhaul, or related telecom leases

Strong Underwriting Profile

Signed, executed lease with a major carrier or established tower company
Long remaining lease term (15+ years) with built-in rent escalations
Clean title with resolved easements and access rights for the tower/infrastructure
Documented lease payment history for existing, operational leases

Harder to Finance

Pre-lease speculative land with no signed carrier agreement
Short remaining lease term with no renewal option
Disputed access rights or easements complicating the lease
Lease with a smaller, less creditworthy tenant rather than a major carrier

Leveraging Durable, Contracted Lease Income

Whether you're a landowner who wants to unlock cash from an existing telecom lease, or an investor acquiring land already under a long-term carrier agreement, we structure financing around the real lease economics — some of the most stable ground lease income available in commercial real estate, financed accordingly.

Financing Texas Land Under a Cell Tower or Telecom Lease?

Send us the lease terms, acreage, and carrier. We'll tell you what it qualifies for — usually within 48 hours.

Submit Your Telecom Land Loan Request →
Data Center & Colocation Financing

Data Center Financing:
Capital for Texas's Fastest-Growing Industrial Asset Class

Texas leads the country in new data center development — cheap power, an independent grid, and business-friendly permitting have made DFW, San Antonio, and Central Texas some of the hottest colocation and hyperscale markets in the U.S. We finance data center acquisition, conversion, and expansion projects that most conventional lenders won't underwrite without a signed hyperscale tenant already in place.

55-65%
Max LTV/LTC
Quoted on your deal
Rate Range
12-36 mo
Bridge/Construction Term
3-6 wks
Typical Close

Data center financing spans a wide range of deal types — shell/powered-shell acquisition, industrial-to-data-center conversion, colocation facility expansion, and ground-up build with pre-leasing in progress. Conventional and even most CRE lenders require a signed hyperscale or enterprise tenant before they'll consider the deal, which leaves a real financing gap for operators building speculatively or converting industrial space ahead of lease-up. We underwrite these deals on the real estate, power infrastructure, and sponsor's operating track record, not just an executed lease.

What We Finance

Powered Shell Acquisition

Purchase of existing power-infrastructure-ready industrial buildings

Industrial-to-DC Conversion

Repositioning existing industrial or warehouse space for data center use

Colocation Expansion

Bridge and construction capital for operating colocation facilities adding capacity

Pre-Lease Bridge

Bridge financing ahead of hyperscale/enterprise lease execution

Strong Underwriting Profile

Confirmed available power capacity from the utility/ERCOT interconnection queue
Sponsor with prior data center, industrial, or telecom infrastructure development experience
Site with adequate fiber connectivity or a clear path to it
Realistic lease-up timeline supported by comparable regional absorption data
Clear entitlements/zoning for heavy power and cooling infrastructure

Harder to Finance

Unconfirmed or heavily backlogged utility interconnection with no firm capacity date
First-time sponsor with no data center or comparable industrial development track record
Speculative land purchase with no power study or feasibility work completed
Site outside an established or emerging data center corridor with no fiber access
Unresolved zoning or environmental review for heavy industrial power use

Acquisition, Conversion, and Expansion Bridge Capital

Whether you're acquiring a powered shell in the DFW data center corridor, converting existing industrial space in San Antonio or Austin, or bridging a colocation expansion ahead of a signed enterprise lease, we structure financing around the real estate and infrastructure fundamentals rather than requiring a hyperscale tenant on day one.

Financing a Texas Data Center or Colocation Project?

Send us the site, power capacity status, and project scope. We'll tell you what it qualifies for — usually within 48 hours.

Submit Your Data Center Financing Request →
EV Charging Station Financing

EV Charging Station Loans:
Financing Texas Charging Infrastructure Real Estate

Standalone EV charging stations and charging hubs added to existing commercial sites (retail, travel centers, parking facilities) are a fast-growing but still unfamiliar asset class for most commercial lenders. We finance the real estate and site improvements against utilization data, host-site traffic, and network operator agreements — not a blanket "too new" rejection.

60-70%
Max LTV
Quoted on your deal
Rate Range
10-20 yr
Amortization
3-5 wks
Typical Close

EV charging real estate splits into two situations most banks aren't set up to evaluate: standalone charging hubs (a dedicated site with multiple DC fast chargers) and charging infrastructure added to an existing property, like a travel center or retail parking lot. Both require heavy electrical infrastructure investment and depend on utilization and network operator agreements for revenue — data most conventional commercial lenders simply don't know how to underwrite yet, leading to reflexive declines even on well-located, well-utilized sites.

What We Finance

Standalone Charging Hubs

Purchase or development financing for dedicated multi-charger DC fast-charging sites

Retrofit Infrastructure

Capital to add charging infrastructure to an existing retail, hotel, or travel center site

Fleet Charging Depots

Financing for dedicated charging real estate serving delivery/rideshare fleets

Highway Corridor Sites

Acquisition of high-traffic corridor real estate for planned charging development

Strong Underwriting Profile

Utility service agreement confirming adequate power capacity for the planned charger count
Network operator agreement or utilization data for existing operational sites
Highway/corridor location with strong daily traffic and limited nearby charging competition
Real estate value that holds up independent of the charging business (alternate-use potential)

Harder to Finance

Pre-construction sites with no utility interconnection secured yet
Low-traffic locations with no clear utilization thesis
Heavy reliance on unproven incentive/rebate programs to make the deal work
No network operator agreement or fleet contract backing projected utilization

Ground-Up Development or Retrofit

Whether you're developing a new charging hub from the ground up, adding chargers to an existing commercial property, or acquiring a site with charging infrastructure already installed, we structure financing around the real utilization and site economics — not a blanket new-technology discount that ignores well-performing, well-located sites.

Financing Texas EV Charging Real Estate?

Send us the site, charger count, and utilization or contract details. We'll tell you what it qualifies for — usually within 48 hours.

Submit Your EV Charging Loan Request →
Solar Farm & Renewable Energy Land Financing

Solar Farm & Renewable Energy Land Loans:
Financing Texas Solar & Wind Ground Leases

Texas leads the nation in utility-scale solar buildout, and rural landowners entering long-term solar or wind ground leases increasingly need financing against that lease income — for land acquisition, development-stage capital, or cashing out equity once a lease is signed. We underwrite against the real lease terms and land value, an asset class most banks still don't know how to price.

55-65%
Max LTV
Quoted on your deal
Rate Range
10-20 yr
Amortization
4-6 wks
Typical Close

West and Central Texas ranchland sits at the center of the state's solar and wind buildout, and landowners signing long-term ground leases with developers often want to leverage that new, stable lease income — to buy adjacent acreage, refinance existing debt, or pull cash out for other investment. Conventional agricultural lenders typically don't know how to underwrite a solar/wind ground lease as income, and specialty renewable-energy lenders often only serve the utility-scale developers themselves, not the landowners. We fill that gap.

What We Finance

Ground-Leased Land Refinance

Cash-out or rate/term refinance against land under an active solar or wind lease

Land Acquisition

Purchase financing for acreage with an existing or pending renewable energy lease

Community Solar & Small-Scale Projects

Financing for landowner-developed community solar installations

Development-Stage Bridge

Short-term capital while a lease is finalized or interconnection is pending

Strong Underwriting Profile

Signed, executed ground lease with a creditworthy developer or utility off-taker
Lease term of 15+ years remaining with clear escalation and renewal terms
Clean title with resolved mineral rights, easements, and water rights
Interconnection agreement in place or well-advanced for the project

Harder to Finance

Pre-lease speculative land with no signed agreement or developer commitment
Disputed mineral or water rights complicating the lease or title
Undersized acreage that doesn't meet a utility-scale developer's minimum footprint
Interconnection queue delays with no clear timeline to energization

Leveraging Texas's Renewable Energy Boom

Whether you're a landowner who just signed a solar or wind lease and want to unlock that income now, or an investor acquiring land already under a long-term renewable lease, we structure financing around the real lease economics — not a generic raw-land loan that ignores the durable, contracted income sitting on top of the property.

Financing Texas Land Under a Solar or Wind Lease?

Send us the lease terms, acreage, and developer. We'll tell you what it qualifies for — usually within 48 hours.

Submit Your Renewable Land Loan Request →
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