Commercial Real Estate Loans Houston | Commercial Partners of Texas

Commercial Real Estate Loans up to $150M:

We offer financing solutions for commercial properties nationwide, including preferred equity, joint ventures (JV), CMBS, mezzanine, and bridge loans for nationwide acquisitions, refinancing, and ground-up construction projects. Our loan programs include a wide array of conventional and non-bank commercial real estate and project development financing, tailored to small business owners, developers, builders, and management firms. With over 15 years of experience and strong relationships with more than 150 traditional and non-traditional lenders—such as mortgage banks, life insurance companies, hedge funds, CMBS lenders, and private money investors—we provide some of the most competitive loan programs available to meet our clients’ needs.

Types of Commercial Real Estate Loans

Multifamily loans
Office building loans
Retail property financing
Industrial property loans
Mixed-use property financing
Construction loans
Bridge loans
SBA loans

Commercial Construction Development Loans (Debt + Equity)

These are short-term loans (typically 1–3 years) used to build commercial properties. Loan proceeds are disbursed in stages to ensure funds are used specifically for construction. Many of these loans are interest-only during the construction phase and convert to permanent financing upon completion.

Bridge Loans
A bridge loan is a short-term first or second mortgage (including mezzanine financing) on commercial property. Terms typically range from 6 months to 3 years. Interest rates are generally higher than permanent loans, typically ranging from 4.89% to 12%, with loan amounts from $150,000 to $10 million.

Takeout Loans

A takeout loan is permanent financing used to pay off a construction loan. Many modern construction loans are structured as “construction-to-permanent” loans, meaning they automatically convert into long-term, fixed-rate financing upon project completion.

SBA Loans

SBA loans are designed for owner-users of commercial real estate. These loans are issued by private lenders but guaranteed by the government to support small business growth.

SBA 7(a) Loans: 25-year, fully amortizing first mortgage with a floating interest rate tied to the Prime Rate.
SBA 504 Loans: Includes a conventional fixed-rate first mortgage and a 20-year, fully amortizing second mortgage guaranteed by the SBA. This is a popular fixed-rate option.
SBA Construction Loans: Start as conventional construction loans and convert into 25-year SBA loans upon completion.

USDA Business & Industry (B&I) Loans

Similar to SBA loans, these are issued by conventional lenders but largely guaranteed by the USDA. Designed to support job creation in rural areas, these loans may offer up to 100% financing in some cases.

Fix-and-Flip Loans

These renovation loans are similar to construction loans and are used to acquire and improve properties for quick resale. They are typically provided by private lenders when borrowers do not qualify for conventional financing. Interest rates are generally higher.

Bond & Private Placement Loans

Available for credit tenant lease projects, foundations, hospitals, colleges, and state or city-backed projects. Financing can reach up to 100% loan-to-value (LTV), with loan amounts up to $200 million.

CMBS & Small Balance Loans ($1M – $150M)

Non-recourse (no personal guarantees)
Allow unrestricted cash-out refinancing
Assumable loans

Most CMBS loans are fixed-rate with 5-, 7-, or 10-year terms, amortized over 20–30 years. Some offer interest-only periods at the beginning. Closings can occur in as little as 30 days.