How to Get a Commercial Real Estate Loan in Texas: A Step-by-Step Guide for 2025

Introduction

Are you looking to finance a commercial property in Texas? Whether you're buying your first multifamily building or expanding your business footprint, securing the right commercial real estate loan is critical. At Amerimort, we help business owners and investors across Texas get access to the capital they need — fast, reliably, and with expert guidance.

In this article, we break down everything you need to know about getting a commercial real estate loan in Texas, including types of loans, qualifications, documents, and insider tips to boost your chances of approval.

1. What Is a Commercial Real Estate Loan?

A commercial real estate (CRE) loan is used to purchase, refinance, or renovate income-producing properties such as office buildings, retail centers, warehouses, hotels, or multifamily apartments (5+ units). Unlike residential loans, these are based more on property performance and business strength than personal income.

2. Common Types of Commercial Loans in Texas

Here are the most common loan products available through us and other lenders:

• Bridge Loans – Short-term loans for properties that need rehab or seasoning before long-term financing.

• Hard Money Loans – Asset-based, fast-closing loans often used by investors.

• SBA 504 / 7(a) Loans – Government-backed loans for owner-occupied real estate.

• Bank & Credit Union Loans – Longer underwriting but low interest rates.

• Stated Income Loans – For self-employed borrowers with strong equity but limited documentation.

• Medical Professional Loans – Tailored for doctors, dentists, and veterinarians.

✅ Need help deciding which loan fits your project? Contact us today.

3. What Do Lenders Look for in a Borrower?

To qualify for a commercial real estate loan in Texas, you’ll typically need:

• Strong Credit Score (usually 660+)

• Business Plan or Use Case

• Down Payment or Equity (usually 15%–30%)

• Property Financials (rent rolls, leases, pro forma)

• DSCR (Debt-Service Coverage Ratio) over 1.25

If you’re applying as an investor, they’ll look at both your net worth and experience managing similar properties.

4. Documents You’ll Need to Apply

Gathering your documents early can speed up approval. Here’s what lenders usually require:

• 2–3 years of business and personal tax returns

• Personal financial statement (PFS)

• Business formation docs (LLC, Corp)

• Rent roll and income statements (if investment property)

• Purchase contract (if applicable)

• Credit authorization form

📎 Want a full checklist? We’ll send you one — just click here to request it.

5. How the Loan Process Works

Here’s a simplified timeline of what to expect:

1. Loan Pre-Qualification – 1–2 days

2. Document Collection & Underwriting – 1–3 weeks

3. Appraisal & Title Work – 2–3 weeks

4. Final Loan Approval & Closing – 1–2 weeks

In total, expect 30–45 days for traditional loans. For bridge or hard money loans, we can close in as little as 7–10 days.

6. Tips to Improve Your Approval Odds

• Keep your credit clean during the process

• Be upfront about challenges (vacancies, credit issues, etc.)

• Choose the right lender based on your property type

• Submit organized, complete documentation

• Work with a loan broker (like us) who can shop your deal across multiple lenders.

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7. Why Work With Us?

At Commercial Partners of Texas , we do more than match you with a lender — we package your deal for approval. We know what lenders are looking for and help you avoid costly delays or denials.

✔️ Over 15 years of experience✔️ Fast approvals, flexible underwriting✔️ Texas-based with nationwide funding reach✔️ We work with banks, private lenders, SBA, and institutional capital.

Conclusion & Call to Action

Getting a commercial real estate loan in Texas doesn’t have to be difficult — if you’re prepared and working with the right partner. Whether you’re buying, refinancing, or building ground-up, we is here to help you succeed.

📞 Call us today at 832.607.1113 or📝Request https://www.amerimort.com/get-a-quote here to get started on your loan approval.

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