Top 10 Texas Commercial Real Estate and Business Loan Banks in the USA (2025 Edition)

When it comes to financing commercial real estate or business ventures in Texas, selecting the right bank can make all the difference. Whether you’re an investor, developer, or small business owner, partnering with a strong, experienced lender ensures smoother closings, better terms, and ongoing support. At Commercial Partners of Texas (www.amerimort.com), we’ve compiled a list of the Top 10 Texas commercial real estate and business loan banks based on lending volume, customer service, regional expertise, and loan program flexibility.

1. JPMorgan Chase Bank

Headquarters: New York, NY (Strong presence in Texas)

Why They Rank: Chase is a dominant lender in the Texas market, offering SBA loans, construction loans, and owner-occupied CRE financing. Their business lines cater to companies of all sizes.

2. Wells Fargo Bank

Headquarters: San Francisco, CA

Texas Coverage: Extensive branch and loan officer network across Texas

Key Strengths: Known for commercial mortgages, lines of credit, and long-term fixed-rate loans for established

businesses.

3. Bank of America

Headquarters: Charlotte, NC

Texas Presence: Multiple commercial lending offices in Houston, Dallas, Austin, and San Antonio

Services: Business acquisition financing, real estate loans, and tailored packages for mid-market companies.

4. Frost Bank

Headquarters: San Antonio, TX

Texas-Focused: Deep local knowledge and flexible underwriting

Why Businesses Love It: Specializes in Texas-based businesses, offering construction, land development, and commercial property loans with fast local decision-making.

5. Comerica Bank

Headquarters: Dallas, TX

Commercial Focus: One of the top banks for business banking in Texas

Popular For: Commercial loans, equipment financing, and CRE lines of credit.

6. Texas Capital Bank

Headquarters: Dallas, TX

Business Specialty: Tailored commercial loan programs for investors, developers, and operatorsNiche: Multifamily, hospitality, office, and warehouse financing

7. BBVA USA (Now part of PNC Bank)

Headquarters: Birmingham, AL (formerly Houston, TX)Texas Influence: Long history of supporting Texas businesses

Products: SBA lending, commercial real estate financing, and investment property loans.

8. Cadence Bank

Headquarters: Houston, TX

Strengths: Strong regional bank with CRE expertise

Ideal For: Small and mid-sized businesses, especially those with unique collateral or unconventional deals.

9. Independent Bank (Now Independent Financial)

Headquarters: McKinney, TX

Focus: Owner-occupied and investment CRE lending

Reputation: Known for competitive rates, quick turnarounds, and strong customer service in Texas markets.

10. Veritex Community Bank

Headquarters: Dallas, TX

Texas-Driven: One of the fastest-growing commercial lenders in Texas

Unique Edge: Focuses heavily on real estate and small business lending with a hands-on approach

Need Help Navigating Commercial Lending in Texas?

At Commercial Partners of Texas, we specialize in structuring and placing the right loan for your project—whether it’s a ground-up commercial development, business acquisition, or stabilized asset refinance. Our lender relationships span these top banks and more, giving our clients access to exclusive rates, fast approvals, and creative loan solutions.

📞 Call us today at 832-607-1113 or📩 Email george@amerimort.com to get started.

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