Commercial real estate loans
Finance your commercial property with competitive rates.
Whether you are purchasing your first commercial property, expanding into a second location, or refinancing an existing mortgage, our CRE loans provide capital with terms that fit your long-term goals. We specialize in owner-occupied and investment real estate across Texas markets including Austin, Dallas, Houston, San Antonio and the Permian Basin.
What financing typically looks like.
Ranges are indicative. Final structure depends on your business profile, lender criteria, and current market conditions.
- Loan size
- $250K to $25M+
- Term length
- 5 to 25 years
- Typical rate
- Prime + 1% to 4%
- Time to fund
- 30 to 45 days
- Collateral
- The property itself
- Competitive rates starting as low as prime + 1%
- Up to 90% loan-to-value financing available
- Terms up to 25 years with flexible amortization
- Fast closings, often in 30 to 45 days or less
- 2+ years in business
- Minimum 650 credit score (660+ preferred)
- Property appraisal and environmental review
- 12 months business and personal bank statements
- Two years business and personal tax returns
Ideal use cases
Owner-occupied commercial properties, investment real estate, refinancing existing mortgages, building equity in your location.
Estimate your payment.
Commercial real estate calculator
Estimate your monthly payment for owner-occupied or investment property.
Estimates only — actual terms depend on your business profile and lender criteria.
Common questions about commercial real estate.
What is the typical down payment?
Owner-occupied properties usually require 10 to 20% down. Investment properties typically need 20 to 30%.
Can I refinance an existing commercial mortgage?
Yes. We routinely refinance commercial loans to lower rates, extend terms, or pull cash out for renovations or expansion.
Do you finance properties outside Texas?
Our focus is Texas, but our lender network can fund commercial real estate across the U.S. for Texas-based borrowers.
How long does closing take?
Most commercial real estate transactions close in 30 to 45 days. Construction and SBA 504 deals can take 60 to 90 days.
Ready to apply?
Talk with a Texas-based TCS advisor. Free consultation, soft credit check only, response within 24 hours.
Get started