Texas Commercial Cash Out Loans: Unlocking Business Growth

Leverage your property equity to expand, upgrade, or consolidate business finances across Texas

Texas Business Team Commercial Property

Texas commercial cash out loans offer business owners a flexible way to unlock the equity in their commercial properties. Whether you're expanding, renovating, or paying down debt, these loans can deliver the capital you need — without selling your property.

What Are Texas Commercial Cash Out Loans?

These loans allow you to refinance your current commercial mortgage and extract equity as cash. Unlike standard refinancing, these focus on liquidity rather than just lowering your interest rate.

In booming markets like Dallas, Houston, Corpus Christi, and The Valley, these loans are widely used for reinvestment, upgrades, and acquisition of more properties.

Texas Commercial Market

Top Benefits of Cash Out Loans

  • Access Capital: Use equity to reinvest in your business or property.
  • Flexible Usage: Funds can be used for marketing, expansion, debt consolidation, or equipment.
  • Strong Texas Market: Property appreciation boosts your equity potential.
  • Potential Tax Benefits: Interest may be deductible — ask your CPA.

Eligibility Requirements

  • Property Type: Office, retail, multifamily, warehouse, etc.
  • Loan-to-Value (LTV): Up to 75–80% of the appraised value
  • Credit: Solid financials and credit history
  • Business Cash Flow: Debt-to-income must support the new loan

How to Apply

Submit your financials, property appraisal, and a breakdown of how the funds will be used. Work with a Texas-based lender who understands local markets and regulations — especially homestead laws.

Real Estate Cash Flow

Things to Keep in Mind

  • Higher Rates: Compared to rate-and-term refinancing, these loans may carry more risk for lenders.
  • Loan Fees: Origination and closing costs apply.
  • Valuation Dependency: The amount you can borrow depends on your current appraisal.

Why Texas?

With growing cities like San Antonio, Fort Worth, and Magnolia, Texas offers consistent commercial property appreciation. Cash-out financing allows businesses to scale without losing real estate equity.

Conclusion

Texas commercial cash out loans are a smart solution for business owners looking to grow. By unlocking property equity, you gain flexibility and momentum. Contact us — we’re a direct lender, not a broker, so you deal direct.

Dan Peterson
www.CommercialLoansOfTexas.com
Direct: 832-273-3551
877-TX-Lending (877-895-3634)
Fax: 832-476-1988

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