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Commercial Real Estate Loans

Commercial Real Estate Loans

Dream big. Whether you’re looking to purchase the commercial property your business needs, refinance your property for better terms, or use equity to remodel or expand your growing business, Texell’s Commercial Loan Heroes are ready to help.

Why Business Banks on Texell:

  • Local decisions for local business loans.
  • Commercial real estate loans can be used to buy, refinance, or tap into equity.
  • Stop leasing and own your business property
  • Loan amounts starting at $50,000
  • Competitive rates, with terms up to 15 years
  • Financing up to 80% of the property value

Growth Begins in a Few Simple Steps:

  1. Apply — Complete a credit application with one of our commercial loan specialists
  2. Finalize terms — We’ll work together to determine your loan amount and terms.
  3. Gather financials — We can help you gather any financial documentation needed.
  4. Close your loan — And realize your business dreams.

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make an appointment

Get a personalized consultation with a local Commercial Loan expert at one of our branches.

Schedule an appointment

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Talk with a Commercial Loan expert Monday – Friday, 9 a.m. – 6 p.m.

Call 254.774.5161.

Frequently Asked Questions:

A commercial real estate loan is a mortgage secured by a lien on a commercial property instead of residential property. Commercial real estate (CRE) refers to owner-occupied or income-producing real estate used for business purposes (e.g., offices, retail space, hotels, and apartments). Commercial real estate loans can be term loans or SBA loans.

Most lenders including Texell require borrowers to have a credit score above 660 to qualify for a commercial real estate loan. You will also need to show at least three years in your business under current ownership.

Applying for a Commercial Real Estate Loan may require some or all of the following documentation:

  • Business tax returns
  • Personal tax returns
  • Financial reports, such as profit & loss and balance sheets
  • Details regarding collateral
  • A third-party appraisal of the property
  • Business plan (for new businesses)

Yes, as a sole proprietor, you can apply for a Commercial Real Estate Loan or consider an SBA loan.

Yes, you can use a Commercial Real Estate Loan for franchise properties, but some restrictions and exclusions exist. Please see the SBA-approved franchise registry to confirm eligibility.

Without a proven track record, a new business does not meet the criteria needed for a commercial real estate loan. An SBA 7(a) loan is a perfect fit for startups because you can use this type of loan for the property, working capital, and inventory.

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