TX · CRE

Commercial Real Estate Loans in Texas.

Summit places commercial real estate loans with vetted lenders serving operators across Texas — from Houston, Dallas, Austin, San Antonio, Fort Worth to smaller commercial markets. Texas is one of Summit's top three markets — energy-services, construction, and trucking operators access the full product stack from MCA to institutional bridge.

Capital Range
$1M – $500M+
Time to Funding
3 – 6 Weeks
Coverage
All of TX
Overview

Commercial Real Estate Loans for Texas operators.

Summit structures and places permanent, bridge, and construction commercial real estate financing through agency lenders (Fannie, Freddie), CMBS conduits, life companies, debt funds, and balance-sheet banks. We tailor capital stacks for sponsors seeking competitive coupon, maximum proceeds, or non-recourse execution.

In Texas, commercial real estate loans demand is concentrated in energy and construction — sectors where Summit's lender bench has deep underwriting history. We structure deals against Texas bank deposits, AR, and equipment, and execute documentation under the state's commercial finance rules.

Whether you operate in Houston, Dallas, or a secondary market, the same desk handles intake, term-sheet negotiation, and funding — so Texas operators get institutional execution without local-bank delays.

Best Fit

Who this works for in Texas.

  • Multifamily and mixed-use acquisitions and refinances
  • Owner-occupied and investor-owned commercial properties
  • Industrial, retail, office, hospitality, and self-storage assets
  • Ground-up construction and value-add reposition projects
  • Texas-based operators in energy, construction, technology, logistics, trucking — Summit's most active TX segments.
Typical Terms · TX
Loan Size$1M – $500M+
RateTreasury / SOFR + Spread
Term5 – 30 Years
AmortizationUp to 30 Years
LTVUp to 80%
RecourseRecourse or Non-Recourse
Qualification
Property TypeMultifamily / CRE / Industrial
Sponsor Net Worth≥ Loan Amount (typical)
Sponsor Liquidity10% of Loan (typical)
DSCR1.20× – 1.35× Minimum
Credit Score680+
GeographyTexas (TX)
Markets Served · Texas
HoustonDallasAustinSan AntonioFort Worth+ Statewide

Ready to fund your Texas business?

Same desk. Same execution. Indicative terms within 24 hours.

Begin Application