As a Texas commercial mortgage broker, we structure acquisition, refinance, and development financing around asset performance and long-term growth — not restrictive bank guidelines. We deliver competitive terms, sharp pricing, and efficient execution for serious operators.
Capital solutions for diverse Texas commercial real estate investments
Texas multifamily financing solutions for apartment investors, operators, and developers across Austin, Dallas-Fort Worth, Houston, San Antonio, and growing secondary markets.
Lone Star Financing structures competitive capital solutions for stabilized and value-add apartment communities throughout Texas.
Conventional apartment communities (5+ units)
Garden-style and mid-rise multifamily
Value-add and light rehab projects
Mixed-use with majority residential component
Build-to-rent communities
Student housing (select markets)
Agency financing (Fannie Mae & Freddie Mac)
Bank and credit union multifamily loans
Debt fund and bridge financing
CMBS / conduit loans
Value-add bridge-to-perm structures
Supplemental and mezzanine financing
Loan amounts typically from $1MM to $50MM+
Up to 75–80% LTV for stabilized assets
Bridge financing up to 80–85% LTC (value-add scenarios)
5, 7, 10-year fixed-rate options
Interest-only periods available
Non-recourse options available for qualifying transactions
Amortization typically 25–30 years
Minimum DSCR generally 1.20x–1.30x (depending on program
Texas industrial and warehouse financing for distribution centers, flex space, logistics facilities, and owner-occupied industrial properties.
With continued population growth, Texas remains one of the strongest industrial real estate markets in the country. Lone Star Financing structures competitive debt solutions for investors, developers, and business owners seeking capital for stabilized, value-add, or development industrial assets.
Distribution and logistics facilities
Light industrial and flex space
Warehouse and bulk storage facilities
Manufacturing facilities
Cold storage and specialty industrial
Industrial outdoor storage (IOS)
Owner-occupied industrial properties
Bank and credit union industrial loans
CMBS / conduit financing
Debt fund and bridge financing
Construction and development financing
SBA 7(a) and 504 for owner-occupied industrial
Portfolio and cross-collateralized structures
Loan amounts typically from $1MM to $75MM+
Up to 70–80% LTV for stabilized assets
Up to 80–85% LTC for development (depending on sponsor strength)
5, 7, and 10-year fixed-rate structures
Floating-rate bridge options available
Interest-only periods for qualifying transactions
Amortization typically 20–30 years
Minimum DSCR generally 1.20x–1.35x
Texas hotel and hospitality financing for flagged and independent properties across Austin, Dallas-Fort Worth, Houston, San Antonio, and key tourism and business corridors.
From select-service acquisitions to full-service repositioning and new construction developments, Lone Star Financing structures capital solutions aligned with occupancy performance, brand affiliation, and market demand across Texas.
Flagged select-service hotels (Marriott, Hilton, Hyatt, IHG, etc.)
Full-service and convention hotels
Boutique and independent properties
Extended-stay hotels
Limited-service hospitality assets
Resort and destination properties (select markets)
Bank and regional lender hotel financing
Debt fund and bridge loans
CMBS / conduit loans
SBA 7(a) and 504 loans for owner-operators
Ground-up construction financing
Repositioning and renovation capital
Loan amounts typically from $2MM to $100MM+
Up to 65–75% LTV for stabilized assets
Up to 75–80% LTC for development (sponsor dependent)
5, 7, and 10-year fixed-rate options
Floating-rate bridge structures available
Interest-only periods for qualifying transactions
Minimum DSCR typically 1.25x–1.40x
Strong flag, brand, and management experience preferred
Texas office and retail financing solutions for stabilized, value-add, and owner-occupied commercial properties across Austin, Dallas-Fort Worth, Houston, San Antonio, and growing secondary markets.
Lone Star Financing structures capital for neighborhood retail centers, medical office buildings, corporate office assets, and mixed-use properties throughout Texas. We align each transaction with current lender appetite, tenant stability, and market fundamentals.
Multi-tenant retail centers
Strip centers and neighborhood shopping centers
Single-tenant net lease (NNN) properties
Medical office buildings
Professional office and suburban office
Mixed-use assets with retail or office components
Owner-occupied retail and office properties
Bank and credit union commercial mortgages
CMBS / conduit financing
Debt fund and bridge loans
SBA 7(a) and 504 for owner-occupied properties
Value-add repositioning loans
Portfolio and cross-collateralized structures
Loan amounts typically from $1MM to $50MM+
Up to 65–75% LTV for stabilized assets
Higher leverage possible for strong tenants or NNN leases
5, 7, and 10-year fixed-rate options
Floating-rate bridge financing available
Amortization typically 20–30 years
Minimum DSCR generally 1.20x–1.35x
Strong tenant mix and lease term remaining preferred
Texas commercial construction financing for developers and sponsors building multifamily, industrial, retail, hospitality, and mixed-use projects across Austin, Dallas-Fort Worth, Houston, San Antonio, and high-growth secondary markets.
Lone Star Financing structures construction capital solutions aligned with project feasibility, sponsor experience, and Texas market demand. From entitlement through stabilization, we coordinate financing that supports disciplined execution and long-term investment performance.
Multifamily apartment developments
Industrial and distribution facilities
Retail centers and mixed-use projects
Hotel and hospitality developments
Medical and professional office buildings
Build-to-rent communities
Owner-occupied commercial construction
Bank construction loans
Debt fund construction financing
Bridge-to-perm structures
SBA construction-to-permanent loans
Mezzanine and preferred equity (select transactions)
Interest-only construction facilities
Loan amounts typically from $2MM to $75MM+
Up to 70–80% Loan-to-Cost (LTC), depending on sponsor strength
Sponsor equity contribution typically 20–30%+
Interest-only during construction term
12–36 month construction periods (project dependent)
Recourse typically required (limited exceptions)
Strong pre-leasing or pre-sales improve leverage
Texas SBA financing for owner-occupied commercial real estate and business expansion across Austin, Dallas-Fort Worth, Houston, San Antonio, and growing Texas markets.
Lone Star Financing structures SBA 7(a) and 504 loan solutions for business owners purchasing, refinancing, or constructing commercial properties they occupy. These government-backed programs provide long-term, competitive financing with lower down payment requirements than conventional commercial loans.
Purchase of owner-occupied office, retail, or industrial property
Ground-up construction for business facilities
Business acquisition with real estate component
Refinancing existing commercial real estate debt
Equipment financing in conjunction with real estate
Tenant improvements and expansion capital
Owner occupancy typically must be 51%+ for existing buildings and 60%+ for new construction.
Loan amounts up to $5MM
Up to 85–90% financing (structure dependent)
Fully amortizing terms up to 25 years for real estate
Fixed or variable rate options
May include working capital or business acquisition components
Loan amounts commonly up to $10MM+ (project dependent)
Typical structure: 50% bank / 40% SBA / 10% borrower equity
Fixed-rate SBA second lien
20–25 year amortization
Lower down payment compared to conventional loans
Strong operating history preferred (2+ years typical)
Demonstrated cash flow to support debt service
Personal guarantee required
Good credit history and tax compliance
Texas multifamily financing for apartment investors, operators, and developers across Austin, Dallas-Fort Worth, Houston, and San Antonio. Lone Star Financing structures competitive capital for stabilized and value-add apartment communities statewide.
Conventional apartment communities (5+ units)
Garden-style and mid-rise properties
Value-add and light rehab projects
Mixed-use (majority residential)
Build-to-rent communities
Select student housing markets
Agency financing (Fannie Mae & Freddie Mac)
Bank and credit union loans
Bridge and debt fund financing
CMBS / conduit loans
Bridge-to-perm and supplemental structures
$1MM to $50MM+ loan amounts
Up to 75–80% LTV (stabilized)
Up to 80–85% LTC (value-add bridge)
5, 7, or 10-year fixed-rate options
Interest-only periods available
Non-recourse available (qualifying deals)
25–30 year amortization
Minimum DSCR typically 1.20x–1.30x
Texas industrial and warehouse financing for distribution centers, flex space, logistics facilities, and owner-occupied industrial properties.
With continued population growth, Texas remains one of the strongest industrial real estate markets in the country. Lone Star Financing structures competitive debt solutions for investors, developers, and business owners seeking capital for stabilized, value-add, or development industrial assets.
Distribution and logistics facilities
Light industrial and flex space
Warehouse and bulk storage facilities
Manufacturing facilities
Cold storage and specialty industrial
Industrial outdoor storage (IOS)
Owner-occupied industrial properties
Bank and credit union industrial loans
CMBS / conduit financing
Debt fund and bridge financing
Construction and development financing
SBA 7(a) and 504 for owner-occupied industrial
Portfolio and cross-collateralized structures
Loan amounts typically from $1MM to $75MM+
Up to 70–80% LTV for stabilized assets
Up to 80–85% LTC for development (depending on sponsor strength)
5, 7, and 10-year fixed-rate structures
Floating-rate bridge options available
Interest-only periods for qualifying transactions
Amortization typically 20–30 years
Minimum DSCR generally 1.20x–1.35x
Texas hotel and hospitality financing for flagged and independent properties across Austin, Dallas-Fort Worth, Houston, San Antonio, and key tourism and business corridors.
From select-service acquisitions to full-service repositioning and new construction developments, Lone Star Financing structures capital solutions aligned with occupancy performance, brand affiliation, and market demand across Texas.
Flagged select-service hotels (Marriott, Hilton, Hyatt, IHG, etc.)
Full-service and convention hotels
Boutique and independent properties
Extended-stay hotels
Limited-service hospitality assets
Resort and destination properties (select markets)
Bank and regional lender hotel financing
Debt fund and bridge loans
CMBS / conduit loans
SBA 7(a) and 504 loans for owner-operators
Ground-up construction financing
Repositioning and renovation capital
Loan amounts typically from $2MM to $100MM+
Up to 65–75% LTV for stabilized assets
Up to 75–80% LTC for development (sponsor dependent)
5, 7, and 10-year fixed-rate options
Floating-rate bridge structures available
Interest-only periods for qualifying transactions
Minimum DSCR typically 1.25x–1.40x
Strong flag, brand, and management experience preferred
Texas office and retail financing solutions for stabilized, value-add, and owner-occupied commercial properties across Austin, Dallas-Fort Worth, Houston, San Antonio, and growing secondary markets.
Lone Star Financing structures capital for neighborhood retail centers, medical office buildings, corporate office assets, and mixed-use properties throughout Texas. We align each transaction with current lender appetite, tenant stability, and market fundamentals.
Multi-tenant retail centers
Strip centers and neighborhood shopping centers
Single-tenant net lease (NNN) properties
Medical office buildings
Professional office and suburban office
Mixed-use assets with retail or office components
Owner-occupied retail and office properties
Bank and credit union commercial mortgages
CMBS / conduit financing
Debt fund and bridge loans
SBA 7(a) and 504 for owner-occupied properties
Value-add repositioning loans
Portfolio and cross-collateralized structures
Loan amounts typically from $1MM to $50MM+
Up to 65–75% LTV for stabilized assets
Higher leverage possible for strong tenants or NNN leases
5, 7, and 10-year fixed-rate options
Floating-rate bridge financing available
Amortization typically 20–30 years
Minimum DSCR generally 1.20x–1.35x
Strong tenant mix and lease term remaining preferred
Texas commercial construction financing for developers and sponsors building multifamily, industrial, retail, hospitality, and mixed-use projects across Austin, Dallas-Fort Worth, Houston, San Antonio, and high-growth secondary markets.
Lone Star Financing structures construction capital solutions aligned with project feasibility, sponsor experience, and Texas market demand. From entitlement through stabilization, we coordinate financing that supports disciplined execution and long-term investment performance.
Multifamily apartment developments
Industrial and distribution facilities
Retail centers and mixed-use projects
Hotel and hospitality developments
Medical and professional office buildings
Build-to-rent communities
Owner-occupied commercial construction
Bank construction loans
Debt fund construction financing
Bridge-to-perm structures
SBA construction-to-permanent loans
Mezzanine and preferred equity (select transactions)
Interest-only construction facilities
Loan amounts typically from $2MM to $75MM+
Up to 70–80% Loan-to-Cost (LTC), depending on sponsor strength
Sponsor equity contribution typically 20–30%+
Interest-only during construction term
12–36 month construction periods (project dependent)
Recourse typically required (limited exceptions)
Strong pre-leasing or pre-sales improve leverage
Texas SBA financing for owner-occupied commercial real estate and business expansion across Austin, Dallas-Fort Worth, Houston, San Antonio, and growing Texas markets.
Lone Star Financing structures SBA 7(a) and 504 loan solutions for business owners purchasing, refinancing, or constructing commercial properties they occupy. These government-backed programs provide long-term, competitive financing with lower down payment requirements than conventional commercial loans.
Purchase of owner-occupied office, retail, or industrial property
Ground-up construction for business facilities
Business acquisition with real estate component
Refinancing existing commercial real estate debt
Equipment financing in conjunction with real estate
Tenant improvements and expansion capital
Owner occupancy typically must be 51%+ for existing buildings and 60%+ for new construction.
Loan amounts up to $5MM
Up to 85–90% financing (structure dependent)
Fully amortizing terms up to 25 years for real estate
Fixed or variable rate options
May include working capital or business acquisition components
Loan amounts commonly up to $10MM+ (project dependent)
Typical structure: 50% bank / 40% SBA / 10% borrower equity
Fixed-rate SBA second lien
20–25 year amortization
Lower down payment compared to conventional loans
Strong operating history preferred (2+ years typical)
Demonstrated cash flow to support debt service
Personal guarantee required
Good credit history and tax compliance
Lone Star Financing is an independent Texas commercial mortgage broker representing real estate investors and business owners. We combine broad lender access, competitive pricing, and disciplined deal structuring to deliver capital aligned with your strategy — guiding each transaction from underwriting to closing with efficient execution.
✓ | Multifamily, Retail/Office, Industrial & Mixed-Use |
✓ | Construction, Bridge & Value-Add Financing |
✓ | 1031 Exchange Acquisition Financing |
One-stop commercial lending access: Strategic capital for Texas commercial real estate acquisitions, refinances, and development projects from $500K to $50M+. Access hundreds of lenders and thousands of programs—backed by a specialized commercial lending team committed to structuring and closing complex transactions.
Vice President
Commercial Lending
Production Manager
NMLS #2004549
Sr. Vice President
Commercial Lending
Branch Manager
NMLS #2014728
| Guide to Commercial Loans
Lone Star Financing is a trusted commercial lender in Texas that provides a wide range of commercial real estate loan solutions designed to help businesses purchase, refinance, or construct commercial properties. Our loans feature competitive rates and flexible terms, making them ideal for acquiring office buildings, retail centers, or other income-generating properties across Texas.
Competitive Fixed or Variable Rates – Financing options tailored to your business goals
Flexible Terms & Repayment Schedules – Structured to fit your cash flow
Local Decision-Making – Faster approvals with personalized service
Versatile Loan Uses – Ideal for purchases, refinancing, or new construction
Expert Guidance – Work with experienced commercial lending professionals every step of the way
Lone Star Financing provides commercial real estate financing across a wide range of property types throughout Texas. From retail centers and multifamily properties to industrial, mixed-use, and specialty assets, our team structures competitive capital solutions designed to support acquisition, refinance, construction, and value-add investment strategies.
Guidelines for a Commercial Real Estate Loans
Loan terms vary, but most commercial loans offer terms ranging from 5 to 25 years with amortization schedules up to 30 years. Interest rates may be fixed or variable, and repayment structures are typically monthly. We offer flexible options to match your business needs.v
