Commercial Real Estate Loans Houston

​Conduit First Mortgage Loans - A very large permanent loan on a standard type of commercial property, which is underwritten to secondary market guidelines with huge prepayment penalty. Such loans enjoy very low interest rates. Conduit loans are later assigned to pools and securitized to become commercial mortgage-backed securities. $200K to $500M. 

CMBS or Conventional Commercial Real Estate loan : up to $500M - Purchase or Refinance.​

Bridge & Structured Financing : up to $500M for challenging loans - occupancy, reserve etc issues. 
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Commercial Construction Development Loans with Debt + Equity - A loan with 1-3 years used to build a commercial property. The loan proceeds are releases in portion by the lender in order to make sure they are only used in the construction of the new building. Many of them are also interest only payment loans till the construction is completed and the loan changed to permanent.
 
Small Bridge Loans - A bridge loan is a short-term, first  or second mortgage loan ( Mezzanine ) on commercial property. The term could be from 6 months to 3 years.  The interest rate on bridge loans is typically much higher than on permanent loans which can be from 6% to 12% : $150K to $10M
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Takeout Loans - A takeout loan is a permanent loan where the proceeds of the loan are used to pay off a construction loan. However, many construction loans these days are with " Construction to permanent loan", means converted to long term fixed rate ( permanent ) loans.
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SBA Loans - Loans to users of commercial real estate which are underwritten by private companies, but sponsored by government, SBA, such as banks and specialty finance companies. SBA loan guarantees were created by Congress to encourage the formation and growth of small businesses.
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        - SBA 7(a) Loans - The SBA 7(a) program is a 25-year, fully-amortized, first mortgage loan program            with a floating rate, tied to the Prime Rate.
        - SBA 504 Loans  - The SBA 504 loan program starts with a conventional, fixed-rate, first mortgage              and then adds a 20-year fully-amortized, SBA-   
          guaranteed, second mortgage behind it.  It is the most common way to get a fixed rate SBA loan.
        - SBA Construction Loans - Underwritten as conventional construction loans that convert                            automatically to 25-year SBA loans upon completion.
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USDA B&I Loans - Similar to the SBA loan program, where a conventional lender makes the loan but the USDA guarantees most of it. USDA Business and Industry loans were created to help create jobs in rural areas. In some cases, this can go to 100% Loan.
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Fix and Flip Loans - A renovation loans that are similar to construction loans. Typically the loan is used to acquire property with enough additional proceeds to renovate the property for a quick sale. Most of these loans are provided by private funds when conventional banks can not lend due to credit or income issue of the borrower. Rates are usually higher here.
 
Bond & Private Placement Loans - Credit Tenant Lease, Foundations, Hospitals, Colleges, State & City connected Projects up to 100% LTV - $200M. 

CMBS & SMALL SIZE LOANS- $ 1,000,000 to $150,000,000
 
- CMBS loans are non-recourse (no personal guarantees).
- CMBS loans allow for unrestricted cash-out on refinances.
- CMBS conduit loans are assumable.

Most CMBS loans are fixed-rate and have a 5, 7 or 10-year loan term amortized on 20 or 30-year schedules and can have interest-only payments during the first few years of the loan term. CMBS loans close as fast as little as 30 days .


COMMERCIAL MORTGAGE BANK LOANS  - $200,000 to $50,000,000.

- Low interest rate loan with relatively low closing costs.
- Restricted cash out refinance.
- Loans are full recourse (personal guarantee required)


COMMERCIAL AND RESIDENTIAL BRIDGE LOANS - $200,000 to $50,000,000

- 6% to 12% interest rate for 12-36 months.
- Up to 70% LTV
- Closes in 7-15 days in most cases.



TERMS :

Most Commercial Bank loans have a 5, 7, 10 Yr ARM rate amortized on 10,15,20 and 30 yr Fixed. Ask for our 30 Yr Fixed, no balloon, rate reset or maturity term. 

Permanent Loans - Long term fixed rates

Construction Capital -  Large construction projects.

First Mortgage Bridge Loans - s For non qualified borrowers.

Mezzanine Capital Loans -  2nd position loans

Adaptive Re-Use Loans - 

Light Bridge Loan to Perm-

Joint Venture Equity-

Preferred Equity-

Condo Conversions Loans-

Early Development Capital-

REO Loans-

Land Loans-

Preferred Equity-

Joint Venture Equity-

Micro Capital-


WORKING CAPITAL LOANS
                                             
MERCHANT CASH ADVANCE LOANS
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401(K) BUSINESS LOANS
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UNSECURED BUSINESS LOANS
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ASSET BASED LENDING
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TRUCK OR FLEET FINANCING
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EQUIPMENT LEASING ( Vendor Loans )  Up to 100%.
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PURCHASE ORDER FINANCING 
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ACCOUNTS RECEIVABLE FINANCING ( Invoice Factoring ) to 90%.
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UNSECURED BUSINESS TERM LOANS
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MOBILIZATION FUNDING
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DEBT IN PROCESS FINANCING
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PAYROLL FUNDING
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GOVERNMENT CONTRACT FINANCING
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USED AIRCRAFT LOANS
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INVENTORY LOAN - UP TO 90%
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HEALTHCARE FINANCE - LINE OF CREDIT, EQUIPMENT AND ON ASSET. 
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FRANCHISE BUSINESS FINANCE 
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WORKING CAPITAL CAPITAL
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SUPPLY CHAIN / PURCHASE ORDER FINANCE. 
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ASSENT BASED LENDING
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PROJECT FINANCE 
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STOCK ( PORTFOLIO ) LOANS

Micro Capital-

Discounted Note Purchase Loan-

DIP Financing-

Working Capital-




Non-recourse new construction commercial loans of $ 250,000 to $100,000,000. 

Area of serving in Texas.
Commercial Real Estate Loans in Houston, Dallas, Austin, San Antonio, Fort Worth, El Paso, Arlington, Corpus Christi, Plano, Lubbock, Laredo, Irving, Garland, Frisco, McKinney, Grand Prairie, McAllen, Texas.
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