Commercial Real Estate Loans in Texas

Commercial real estate financing can support property purchases, construction, refinance, leasehold improvements, and certain investment uses. Through Franklin Financing Services, borrowers may explore real estate financing, SBA loan options, and commercial bridge loans depending on the property, business cash flow, collateral, timeline, and intended use of funds.

The SBA 7(a) program may finance eligible commercial real estate purchases, construction, refinances, leasehold improvements, machinery, business expansion, acquisitions, and related working capital. Franklin Financing Services is designated as a Preferred Financial Services company by SBA lenders, which can help loans move through processing more efficiently than many traditional routes.

Some programs can move quickly, while larger real estate loans typically require more underwriting. Certain Franklin Financing Services programs offer approvals in 24–48 hours and funding in as little as 3–7 days. Commercial real estate timelines depend on appraisal needs, documentation, lender review, collateral, title work, and borrower readiness.

Common requirements include business financial statements, tax returns, debt schedules, property details, purchase contracts or refinance information, ownership documentation, and evidence of cash flow. For SBA financing, satisfactory personal credit histories, active owner involvement, and adequate historic cash flow are important underwriting considerations for principals and guarantors.

Yes, financing may still be available even if a bank has declined your request. Franklin Financing Services works beyond one-dimensional bank programs and maintains relationships with national lenders. While credit history still matters, alternative structures may consider revenue trends, collateral, business performance, cash flow, and the overall financing purpose.

A commercial bridge loan is short-term financing designed to help borrowers act quickly while waiting for a longer-term solution, sale, refinance, or stabilization event. It can be useful when timing is critical, such as acquiring a property, completing improvements, or repositioning an asset before permanent financing becomes available.

SBA 7(a) loan sizes listed through Franklin Financing Services range from $150,000 to $5.0 million. Other financing programs vary by use case, business profile, collateral, and repayment source. The right amount is based on project cost, borrower qualifications, property economics, cash flow coverage, and lender guidelines.

SBA commercial real estate financing generally offers longer terms, no points, and no balloon payments, making it attractive for eligible owner-occupied business properties. Bridge loans are usually faster and shorter-term, while general real estate financing may fit broader property or investment needs. The best structure depends on timing, eligibility, and repayment strategy.