Commercial Real Estate Loans in Houston TX : Let’s Grow Your Space
August 19, 2025
If your company has an exciting opportunity to expand activity in the Greater Houston area, do you have the necessary physical space to support this initiative?
Perhaps your business has outgrown current facilities, or you’re ready to replace rent with property ownership. Regardless of your specific situation, commercial real estate loans in Houston, TX, may provide the financing solution your company needs to take the next step.
At Texas Gulf Bank, we understand the unique challenges businesses face in the Southeast Texas Gulf Coast region. Our experienced commercial lending team specializes in helping local companies secure the funding they need to grow their operations in Houston. Let’s explore how your company may be able to expand its space.
Why Choose Commercial Real Estate Loans in Houston TX?
When you’re ready to expand your business in the Houston market, there are several compelling reasons to pursue a commercial real estate loan.
1. Potential Operational Stability and Control
When you own your commercial space, you may realize greater control over how you use and modify the property. This advantage is designed to eliminate rental concerns – such as lease renewals, rental increases, or landlord restrictions – that could limit business operations.
2. Revenue Generation Opportunities
When your company occupies at least 51% of the commercial real estate space, you can lease the remaining property to other tenants. Generating additional rental income on your property may improve cash flow, making it a financially strategic advantage.
This extra income could also help offset the cost of your monthly loan payments, reducing the financial burden of owning and operating the property. Generating additional revenue from tenants may free up cash to reinvest in your business, enabling growth, operational improvements, or coverage for unexpected expenses.
3. Equity Building
Instead of paying rent that benefits a landlord, your monthly payments contribute to building equity in a valuable business asset. This equity can serve as collateral for future financing needs and may create greater financial security for your business.
4. Potential Tax Benefits
Commercial property ownership may provide valuable tax advantages, including depreciation deductions and the ability to deduct mortgage interest payments. We recommend consulting with your tax advisor to understand how these benefits may apply to your company’s specific situation.
Commercial Real Estate Loan Options for Houston Businesses
Texas Gulf Bank offers flexible financing solutions designed to meet the diverse needs of businesses throughout the Houston area. Our primary offering is an owner-occupied commercial real estate loan. However, small businesses may consider applying for funding through the Small Business Administration (SBA).
Owner-Occupied Commercial Real Estate Loans
An owner-occupied commercial real estate loan is a comprehensive financing solution that can cover the cost of land acquisition and construction through a single, streamlined loan program. This type of loan then converts to a mini-permanent mortgage.
*NOTE: Some creditors may offer one-time-close construction loans that include a permanent mortgage. However, our one-time close construction loans only include a mini-permanent mortgage.
SBA 504 Loans
The Small Business Administration (SBA) is a federal agency dedicated to encouraging small business growth by making financing options more accessible, especially for growing companies and established businesses.
Their primary way of supporting businesses is by partnering with banks, such as Texas Gulf Bank, to provide an SBA loan guarantee on a portion of the loan amount to eligible small business owners.
Specifically, the SBA 504 loan program is an excellent option for small businesses seeking favorable terms and lower down payment requirements. These government-backed loans are specifically designed for major fixed asset purchases, including commercial real estate.
What Are the Application Requirements for a Commercial Real Estate Loan?
Our team of local lenders will work closely with your company to determine whether you should apply for an owner-occupied commercial real estate loan or an SBA-backed loan. Our expert lenders will assess your needs and help determine the appropriate path.
Then, when applying for a loan through our bank, we will request that you provide documentation for review. Our loan application requirements include, but may not be limited to, the following:
- Completed loan application
- Detailed project budget and timeline
- Three years of business tax returns and financial statements
- Personal tax returns for all individual guarantors
- Current personal financial statement
- Recent balance sheet and income statement
- Physical building plans for the property or properties you wish to acquire
Our in-house lending team will review your application and pertinent documents. We may also conduct a site visit to assess the condition of the property you are considering. Our goal is to work closely with your team to perform a thorough review that supports your business needs.
Why Texas Gulf Bank? Consider This Houston Success Story
We are confident that we can support your business much the same way we have other local companies. Consider this example of how we worked with a company to support their expansion efforts in Houston.
We recently approved a $3.2 million owner-occupied commercial real estate loan for a family-owned intermodal transportation and logistics company. The purpose of the loan was to expand their operations by purchasing an existing 5-acre, 40,000 square foot industrial warehouse close to the Port of Houston.
This strategic acquisition enabled the company to position itself as the first and final step in its customers’ supply chain, significantly enhancing its service capabilities and competitive advantage.
By purchasing the new property with our financing support, the company was better positioned to take advantage of optimal access to shipping and logistics infrastructure that could enhance its operations.
Partner With Texas Gulf Bank for Your Houston Expansion
As a community-based bank serving the region for 110+ years, Texas Gulf Bank brings deep expertise and commitment to supporting local business growth. Our commercial lending team understands Houston market dynamics and can provide valuable guidance throughout the loan process.
Our personalized approach means we develop customized loan solutions that align with your specific business goals and financial requirements. If your business is ready to expand its physical presence, commercial real estate loans in Houston, TX, may provide the foundation for your next phase of growth.
Contact Texas Gulf Bank today through our bank website to speak with one of our experienced commercial lenders. See how we can help you pursue the next opportunity to grow your business.
All loans subject to credit approval.