Commercial financing from $500K to $50M+ for multifamily, office, retail, industrial, and hospitality properties
Fast deal reviews from our commercial team
Whether you’re purchasing, refinancing, expanding, or developing commercial real estate, Lone Star Financing provides access to 100+ commercial lenders offering competitive rates and flexible financing solutions.
Our team structures financing for multifamily, office, retail, industrial, hospitality, SBA, and construction projects from $500K to $50M+. Every loan is tailored to your property, investment strategy, and long-term goals.
Flexible financing solutions for acquisitions, refinances, construction, SBA, multifamily, retail, office, and bridge loan scenarios.
The Wickchester is a premier Houston office property consisting of 29 office suites and approximately 110,000 square feet. The asset was 98% occupied at closing with a weighted average lease term (WALT) of approximately four years, providing strong in-place cash flow and long-term tenant stability. Lone Star Financing arranged $8.6 million in acquisition financing for the transaction.
Lone Star Financing brokered commercial real estate financing for a newly completed multifamily townhome development in Dallas, Texas. The project features five luxury three-story townhome residences with rooftop terraces, attached garages, and a prime location near Downtown Dallas, White Rock Lake, and Love Field Airport.
Positioned near the I-35 and U.S. 290 interchange and surrounded by significant residential and mixed-use development, the property offers strong in-place cash flow, below-market rents with upside potential, and future redevelopment opportunities. The financing supported the acquisition of this strategically located retail asset in one of Austin’s most desirable investment corridors.
LONE STAR FINANCING ADVANTAGE
Hundreds of Lenders. Thousands of Loan Programs. One Platform.
Through our partnership with CommLoan, Lone Star Financing provides access to hundreds of commercial lenders and thousands of loan programs—giving you true one-stop shopping for commercial financing.
100+ Lenders • Better Terms • Faster Closings
Capital solutions for diverse Texas commercial real estate investments
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.
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
✓ | 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.
Randy brings decades of experience in banking, credit underwriting, and asset-based lending. His background includes senior leadership roles as Chief Credit Officer and Executive Vice President, giving clients a disciplined, practical perspective on complex commercial real estate financing.
Known for his straightforward approach and deep credit expertise, Randy helps investors and business owners navigate complex financing with practical guidance, competitive loan structures, and personalized service.
Kittrick combines a strong business background with experience in financial analysis, risk assessment, and client service. He works closely with investors and business owners to evaluate financing options, identify the right loan structure, and simplify the commercial lending process.
Known for his responsive, client-first approach, Kittrick helps borrowers navigate acquisitions, refinances, and investment financing with practical guidance, clear communication, and financing solutions tailored to their long-term goals.
Call (855) 314-8080 or request a fast commercial deal review.
Review My DealQualifying for a commercial real estate loan in Texas depends on factors such as your credit profile, business financials, property type, loan-to-value (LTV), debt service coverage, and property cash flow. Whether you’re purchasing, refinancing, or developing commercial real estate, Lone Star Financing will evaluate your project and match you with financing options that fit your goals.
Our commercial lending team will review your project, explain available loan programs, and guide you through the qualification process so you understand your options and next steps with confidence.
Lone Star Financing provides commercial real estate financing solutions across a wide range of property types throughout Texas. Whether you’re acquiring, refinancing, renovating, or developing commercial real estate, our team can help structure competitive financing through our network of 100+ commercial lenders. We finance projects ranging from $500,000 to $50 million+ with flexible terms tailored to your investment strategy.
Texas commercial loan programs include purchase, refinance, bridge, construction, SBA, permanent, owner-occupied, and investment property financing. Whether you’re acquiring a new property, refinancing existing debt, funding new construction, or expanding your business, Lone Star Financing can match your project with the right commercial lending solution. Our team works with 100+ commercial lenders to help secure competitive rates, flexible terms, and financing tailored to your property and long-term goals.
Commercial real estate loan terms vary based on the property type, loan purpose, borrower experience, occupancy, and overall financial strength of the transaction. Whether you’re acquiring a multifamily property, retail center, office building, industrial facility, hotel, or special-use asset, financing can often be tailored to meet your investment objectives and cash flow requirements.
Most commercial loans offer terms ranging from 5 to 25 years, with amortization schedules extending up to 30 years. Depending on the loan program, borrowers may choose from fixed-rate, variable-rate, interest-only, bridge, or permanent financing structures. Loan amounts typically range from $500,000 to $50 million+, with leverage commonly reaching up to 75% to 80% loan-to-value (LTV), and higher in select SBA financing programs.
Commercial lenders evaluate several factors when determining eligibility, including credit history, debt service coverage ratio (DSCR), property cash flow, borrower liquidity, net worth, and business or investment experience. Construction and value-add projects may require additional reserves, equity contributions, or prior project experience.
At Lone Star Financing, we work with more than 100 commercial lenders to help investors and business owners compare financing options, secure competitive terms, and identify the loan program that best aligns with their acquisition, refinance, construction, or expansion goals. Our team provides hands-on guidance throughout the process, helping streamline approvals and move transactions to closing efficiently.
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