Texas Commercial Bridge Loan Lenders

Texas Commercial Bridge Loan Lenders | Structuring & Distribution Platform

Texas Commercial Bridge Loan Lenders

We operate a structuring and distribution platform for Texas commercial bridge loans. Our network includes 50+ active lenders that fund over $350M each year via our platform. We prepare lender ready files, run pricing, align terms, and place senior bridge, mezzanine, and preferred equity for acquisitions, refinance, value add, lease up, and construction takeout in Dallas Fort Worth, Houston, Austin, and San Antonio.

What We Finance In Texas

Multifamily
Class A to C, lease up, value add, and construction takeout.
Industrial
Light industrial, small bay, and last mile near I 10, I 35, I 45 corridors.
Retail
Grocery anchored, service retail, and infill street retail with proven sales.
Hospitality
Select service and lifestyle assets with clear PIP or reflag plans.
Mixed Use and Self Storage
Urban nodes, suburban town centers, and storage with stable demand.

How Our Platform Helps You Close

Structuring
We map leverage, reserves, covenants, and collateral to match the business plan and Texas comps.
Distribution
50+ lenders receive a uniform package. We track quotes, term sheets, intercreditor asks, and timing.
Execution
We coordinate third party reports, legal, and closing checklists so funds flow on schedule.

Capital We Arrange

Senior Bridge
First lien, interest only, with interest, tax, insurance, and capex reserves sized to plan.
Mezzanine
Second lien or unsecured with tested intercreditor terms to bridge equity gaps.
Preferred Equity
Structured distributions and control rights outside the mortgage.

Typical Terms In Texas

  • LTV. Up to 70 percent of as is value. Up to 75 percent on multifamily with strong comps.
  • LTC. Up to 80 percent on value add with verified capex and contingency.
  • Loan size. USD 3 million to USD 150 million. Larger on a club basis.
  • Tenor. 12 to 36 months with extensions tied to milestones.
  • Pricing. Floating rate with spread set by DSCR, leverage, and plan risk.
  • Covenants. Minimum DSCR, liquidity floor, budget variance limits, monthly KPI reporting.

Process

1

Screen and Structure

We assess story, collateral, market, and exit. We set leverage, reserves, covenants, and a clear closing path.

2

Distribute and Underwrite

We circulate the package to 50+ lenders, collect quotes and term sheets, and align intercreditor terms where needed.

3

Documentation and Close

We finalize loan documents, security, reserves, and reporting. Funds flow on schedule with post close milestones set.

What To Send For Pricing

Financials
Trailing 24 months P&L, T 12 and T 3, rent roll if applicable, balance sheet, lender statements, and tax returns.
Asset and Market
OM or summary, leases, photos, capex plan with bids, appraisal or BOV, and local comps for Texas submarkets.
Sponsor
Bio, track record, REO, org chart, GC or manager details, and third party agreements if any.

Request A Texas Bridge Term Sheet

Share address, loan amount, uses of proceeds, business plan, and target closing date. We will revert with lender route, pricing, and a checklist.

Start Your Funding Mandate

Financely operates as an arranger and underwriter on a best efforts basis. We are not a direct lender. All services are subject to due diligence, KYC and AML, sanctions screening, and approval by lending partners. Nothing here is a commitment to lend or to buy securities.

Frequently Asked Questions

How does your Texas lender network work?
We distribute a uniform package to 50+ lenders, collect quotes and term sheets, and negotiate structure, reserves, covenants, and fees. Over $350M is funded annually via our platform.
What sponsor equity is typical on Texas bridge loans?
Plan for 10 to 25 percent of total uses depending on leverage and business plan risk. Mezzanine or preferred equity can narrow the cash ask where coverage is strong.
Can interest and capex be reserved during lease up?
Yes. We size interest, taxes, insurance, and capex reserves to match the schedule and stabilize DSCR before conversion to permanent debt.
How fast can a Texas bridge loan close?
Three to six weeks after a clean file and third party reports. Add time for complex title or environmental items.
Which Texas markets do you cover?
Dallas Fort Worth, Houston, Austin, and San Antonio, plus secondary markets with clear comps and depth of tenants or buyers.

Get Started With Us

Submit Your Deal & Receive a Proposal Within 1-3 Working Days

Submit your deal using our secure intake form, and receive a quote within 1-3 business days. Existing clients can connect with their relationship manager through our secure web portal.


All submissions are promptly reviewed, and all communications are conducted through the intake form or the client portal for a seamless and secure process.

Express Application Submit Your Deal
Request a Proposal
Request a Proposal / Submit a Deal

Thank you for considering working with us. A nominal fee of US$500 is required upon completion of each form. This fee covers the time and effort we invest in reviewing your submission and crafting a thorough proposal. We receive numerous inquiries and prioritize those that carry this fee, ensuring serious applicants receive prompt attention.

Trade Finance

Tap into solutions like letters of credit, bank guarantees, and payment facilitation. We address the challenge of global transaction risk through structured strategies that foster cross-border growth. Complete the form to unlock streamlined funding aligned with your commercial objectives.

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Project Finance

Access non-recourse funding for infrastructure, renewable energy, or other capital-intensive ventures. We mitigate capital constraints by isolating project assets and focusing on risk management. Provide your details to receive a structure that drives growth and maximizes returns.

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Acquisitions

Secure financing for business or real estate acquisitions. We ease transaction hurdles by reviewing cash flow, synergy opportunities, and exit plans. Complete the form for a customized proposal that supports your strategic investment objectives.

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For Banks

Financely assists banks facing Basel III pressures by distributing trade finance deals and providing collateral for letters of credit. We reduce capital burdens while preserving client relationships and fostering service expansion. Submit your request to optimize your trade finance offerings.

Submit a Request

Once we receive your submission, our team will review your information to determine feasibility. If eligible, you will receive a proposal or term sheet within 1–3 business days. Visit our FAQ and Procedure pages for more information.

Disclaimer: Financely provides financing based on due diligence and feasibility. Approval is not guaranteed, and past performance does not predict future outcomes. All terms are subject to review. Financely primarily assists with structuring and distribution. Qualified parties carry out the project if the client approves the proposal.

Still Have Questions? Schedule a Consultation

If you still have questions after visiting our FAQ and Procedure pages, we invite you to book a paid consultation for personalized guidance. A $250 USD fee applies per session.