Texas bank business commercial real estate loans.

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Texas banks offer a variety of commercial real estate loans tailored for businesses looking to buy, build, or expand commercial properties. Here are some common types of commercial real estate loans offered by banks in Texas:

1. Owner-Occupied Real Estate Loans: These loans are ideal for businesses that plan to occupy at least 51% of the property. They typically offer competitive rates and longer terms.

2. Investment Property Loans: For investors looking to purchase or refinance rental properties or multi-family units, these loans often come with flexible financing options and competitive rates.

3. Construction Loans: These are short-term loans for businesses that need funds to build a new property or renovate an existing one. Often structured with interest-only payments during construction, they convert to permanent financing upon completion.

4. SBA 504 and 7(a) Loans: The Small Business Administration offers programs like SBA 504 and 7(a) loans for qualifying businesses. SBA 504 loans are specifically for real estate or equipment purchases, while 7(a) loans are versatile and can be used for both real estate and working capital.

5. Bridge Loans: For short-term needs, bridge loans provide financing until long-term financing is secured. These can be helpful when timing is a factor, allowing the business to move quickly on property acquisition.

6. Hard Money Loans: Some Texas banks or private lenders offer hard money loans, which are often used for quick financing needs, including fixer-uppers or properties not qualifying for conventional loans. These loans typically have higher interest rates and shorter terms.

7. Lines of Credit: For businesses that want flexibility, some banks offer revolving lines of credit secured by commercial real estate. This allows businesses to draw funds as needed and only pay interest on the amount drawn.

For any business, it’s important to assess loan terms, rates, and eligibility requirements before choosing a lender in Texas.