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.