Commercial Construction Loans from Texas Gulf Bank


Texas Gulf Bank offers numerous commercial lending options. We tailor our commercial construction loans to meet the needs of each business seeking a commercial real estate loan.

Contact us today and one of our lenders in your community will reach out to discuss your loan needs. This initial consultation will allow our lender to advise you on the optimal loan product for your business.

We will provide you with a loan application after the initial consult with our lenders. We will help you complete it!

Please do not send sensitive information like your physical or mailing address, account number, Debit/ATM/Credit Card, Social Security Number or passwords/PINs through this form.

Our Commercial Construction Loan Products

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Owner-Occupied Construction Loan

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Non-Owner-Occupied Construction Loan

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One-Time Closing to Mini-Perm Construction Loan

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Ground-up Construction Loan

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Lot Loan

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Acquisition Financing

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What We will Need During Your Application

During the initial consultation, our lender will ask you to provide specific information about the project and your need for funding. Then, during the loan application process, the lender will ask that you provide additional documentation. The typical documents that we request include the following:

  • Completed loan application
  • 3 years of personal and business tax returns
  • 3 years of year-end and current business financials
  • Construction design
  • Building schedule
  • Construction budget

Once we receive your completed application and supporting documents, our bank will review the full loan package and determine whether to approve you for the loan. Because our lending decisions are made in-house, we offer an expedited loan review process.

If approved for the loan, we will discuss the loan structure with you (including terms and interest rates). If you accept the loan terms, then we will set up the loan closing date and fund the loan so that you can receive the capital you need.

What Our Clients Are Saying
"Working with Texas Gulf Bank is like a concierge service. They are willing and available to help when I need to transact business. I buy and sell real estate, and the bank is always there for me whenever I need a real estate loan. When I started a new company, the bank helped me with a line of credit. Now I use the convenient mobile deposit feature and pay my employees through direct deposit. Texas Gulf Bank is a reliable hometown bank that takes care of my personal and business banking needs."
James DyePresidentSouthern Golf Solutions
“Anytime we have a need, Mia Hinojosa Miralles steps up to the plate and supports us. The bank is accurate, they provide good information for us, and we don’t have any real problems dealing with the bank. They do a great job for us. When we built a new facility, we worked with David Anderson when he was at a different bank to handle all of the financing. We then moved with Mia and David to Texas Gulf Bank. Now, all of our accounts are with Texas Gulf Bank. They are attentive to our needs.”
Dr. L. D. EckermannWestbury Animal Hospital
“The speed and responsiveness of customer service at Texas Gulf Bank is excellent. That’s what I value the most. I had a non-traditional construction lot loan and Kyle Ranostaj was responsive and smart to what I was trying to do. I received good support and advice. After I explained the situation, Kyle came back with some good solutions. The experience was what I hoped it would be. Kyle was patient throughout the whole process, and it was easy to work with Kyle and the bank.”
Brad S.Residential Construction Loan Customer
“Texas Gulf Bank has always been there supporting my business, as well as my family banking and cattle business. Our family and myself appreciate your friendly service and your support in our community. We look forward to your continuing service and support of all of our banking needs.”
Scott & Sheri LeopoldTGB Customers since 2005
“The biggest benefit of doing my business with Texas Gulf Bank in West Columbia is that they are close to home, so I can get in and out and go on with my day. The staff watches out for ways to help me, and always notify me if something comes up that is out of the ordinary,”
Patrick McGaugheyTGB Customer since 2005This testimonial was provided by a relative of a former TGB Employee.
“We have banked with multiple other banks in the past, but the level of customer service and respect we receive from Texas Gulf Bank is unparalleled. I trust them to work with me to make major financial decisions for my company and they are always prompt and extremely knowledgeable about the solutions that are presented and implemented.”
Robin LeederTGB Customer since 2000
About Texas Gulf Bank

For more than 100 years, Texas Gulf Bank has provided a full range of financial products and banking services for business customers throughout the Texas Gulf Coast region.

We are independently owned and operated, which provides us with the flexibility we need to help our customers access the capital they need to grow. Our continued success is a result of providing hometown personal service and flexibility backed by a substantial lending capacity that far exceeds regulatory guidelines.

Our experienced decision-makers take the time to work with you to determine your unique needs for a commercial real estate loan. Our Texas roots run deep, so we understand the region’s unique commercial real estate dynamics to offer you a right-sized solution.

Texas Gulf Bank Friendswood Branch

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