Commercial Real Estate Loans in Texas

Last Updated: February 6, 2026

Nelson Funding provides construction loans, bridge financing, and permanent financing for commercial real estate projects across Texas. We work with developers, investors, and business owners in Houston, Dallas, Austin, San Antonio, and throughout the state.

Call Us Today 801-845-0092

Financing for Texas Commercial Real Estate

Financing commercial real estate in Texas requires understanding local market dynamics and having access to flexible capital. Whether you’re building in Houston metro, acquiring property in Dallas, or repositioning assets in Corpus Christi, you need a lender who can structure terms around your project timeline.

Financing Options for Texas Commercial Projects

Construction Loans

Ground-up construction financing

Ground-up construction financing for new commercial developments across Texas. We fund multifamily apartments, industrial warehouses, retail centers, office buildings, and mixed-use projects. Our construction loans include flexible draw schedules, interest-only payments during construction, and loan amounts from $2 million to over $100 million. Common projects include developments in Houston and Austin, industrial facilities in Dallas-Fort Worth, and commercial buildings in Lubbock. We finance deals throughout Texas including markets where banks require local branch relationships.

Construction Loans

Bridge Loans

Short-term financing

Short-term financing for acquisitions, stabilization, and value-add improvements. Bridge loans solve timing problems. Close an acquisition in three weeks. Fund property improvements while you stabilize occupancy. Fill the gap between construction completion and permanent financing eligibility. Terms range from 12 to 36 months with interest-only payments and flexible prepayment options. Common uses include lease-up financing, value-add renovations, tenant improvements, and fast-close acquisitions.

Bridge Loans

Permanent Loans

Long-term fixed-rate financing

Long-term fixed-rate financing for stabilized income-producing properties. Once your property is leased and operating, permanent financing locks in long-term debt at predictable rates. We arrange permanent loans for multifamily, office, retail, industrial, and mixed-use properties with proven cash flow. Terms range from 5 to 30 years with competitive fixed rates.

Permanent Loans

$1B+

Loans Funded

24/7

Support

7-14

Days to Close

98%

Client Satisfaction

Nelson Funding vs. Traditional Banks

Traditional banks use committee approvals and conservative underwriting. We make decisions quickly and structure loans around project economics and sponsor experience.

Feature Nelson Funding Utah Banks
Approval Time 7 to 14 days 45 to 90 days
Loan Amounts $1M to $100M+ Limited by branch caps
Loan Terms Customized to project Standardized products
Property Types All commercial asset classes Basic commercial only
Markets Served Statewide including rural areas Require local presence

Texas Commercial Real Estate Market

Top destination for corporate relocations and population growth

Primary Markets

Houston and Dallas anchor Texas's commercial real estate activity with diverse property sectors and institutional investment.

Growth Sectors

Port of Houston and DFW logistics hub drive demand for industrial and logistics properties. Multifamily development remains active in Houston metro.

Secondary Opportunities

Markets like Corpus Christi, Lubbock, and Laredo offer value-add opportunities and lower barriers to entry for experienced developers.


Recent Commercial Real Estate Loans Funded

See Our Recently Funded Commercial Loans

Nelson Funding Closes $28,818,000 Construction Revolver for 65-Home Subdivision in Galt, CA

Nelson Funding Closes $28,818,000 Construction Revolver for 65-Home Subdivision in Galt, CA

Last Updated: June 12, 2026

Nelson Funding recently closed a $28,818,000 construction loan revolver to fund a 65-home single-family subdivision in Galt, California. The facility...

View Deal
Nelson Funding Closes $1,135,000 Office/Retail Bridge Loan in Just 5 Days in Heber, UT

Nelson Funding Closes $1,135,000 Office/Retail Bridge Loan in Just 5 Days in Heber, UT

Last Updated: June 12, 2026

Nelson Funding recently closed a $1,135,000 bridge loan secured by an office/retail asset, the Heber Sawmill project, in Heber, Utah. From approval t...

View Deal
Nelson Funding Closes $16,575,000 Financing for a Special-Use Asset (Confidential Transaction)

Nelson Funding Closes $16,575,000 Financing for a Special-Use Asset (Confidential Transaction)

Last Updated: June 12, 2026

Nelson Funding recently closed a $16,575,000 facility secured by a special-use commercial asset. At the borrower's request, the location and sponsor ...

View Deal

Common Questions About Commercial Loans in Texas

What property types do you finance?

We finance multifamily apartments, office buildings, industrial warehouses, retail centers, hospitality properties, and mixed-use developments. Each project gets evaluated based on location, sponsor experience, and market fundamentals rather than rigid property type restrictions.

How fast can you close?

We provide initial feedback within 48 hours and issue loan commitments within 7 to 14 days. Actual closing depends on title work, appraisals, and legal documentation, but we prioritize speed when you need fast execution.

Do you lend outside major cities?

Yes. We finance projects throughout Texas including Corpus Christi, Lubbock, Laredo, and other secondary markets. We evaluate each project on its specific merits rather than only lending in Houston and Dallas.

Can you finance ground-up construction?

Yes. Construction loans are central to what we do. Our construction program includes interest reserves, flexible draw schedules matching contractor payment applications, and the ability to finance complex projects with phased timelines.

What makes you different from banks?

Banks require 45 to 90 days for approvals, offer standardized products, and limit loan amounts. We make decisions in 7 to 14 days, customize terms to project needs, and finance deals that don't fit traditional underwriting boxes.

Get Pre-Qualified for a Commercial Loan in Texas

Whether you're developing multifamily in Houston, acquiring industrial property in Dallas-Fort Worth, or repositioning commercial assets in Austin, we can structure financing for your project.


Speak with a Loan Specialist
Featured Lenders
Trusted by top financial institutions
Industry Affiliations
Member of leading industry associations
$5+ Billion Funded
In Commercial Real Estate Loans