Commercial Mortgage in Austin, TX
Find lenders offering commercial mortgage in the Austin, including Round Rock, Cedar Park, Georgetown, and surrounding areas. Compare rates, terms, and programs from 72 lenders.
Commercial Mortgage Lenders Serving Austin
72 lenders offering commercial mortgage in the Austin, TX area.
T Bank, National Association
Local SBADALLAS, TX
Texas-based community bank and SBA preferred lender. Specializes in SBA 7(a) loans for commercial real estate acquisition and business expansion, with a focus on hospitality and convenience store industries.
Wallis Bank
Local SBAWALLIS, TX
Texas-based community bank and top SBA lender in the Houston area. Offers SBA 7(a) loans, commercial real estate, and international banking services for small businesses.
Comerica Bank
Local SBADALLAS, TX
Dallas-based major commercial bank offering SBA 7(a) and 504 loans, commercial real estate, equipment financing, lines of credit, and treasury management. One of the 25 largest U.S. banks with nationwide business banking.
Southwestern National Bank
Local SBAHOUSTON, TX
Houston, Texas-based community bank offering SBA 7(a) loans, commercial real estate, and business banking. Serves small businesses in the greater Houston metropolitan area.
Texas Capital Bank
Local SBADALLAS, TX
Dallas-based commercial bank offering SBA 7(a) loans, commercial real estate, treasury management, and specialized lending. Focused on serving Texas businesses with sophisticated financial solutions.
Live Oak Banking Company
SBAWILMINGTON, NC
One of the nation's top SBA 7(a) lenders, specializing in lending to small businesses across healthcare, veterinary, beverage, self-storage, and other industries. Offers SBA loans, USDA loans, conventional business loans, and commercial real estate financing.
The Huntington National Bank
SBACOLUMBUS, OH
Major regional bank and consistently one of the top SBA lenders in the country by number of loans. Offers SBA 7(a) and 504 loans alongside conventional business lending, commercial real estate, and treasury management services.
Newtek Bank, National Association
SBAMiami, FL
Technology-driven SBA preferred lender providing 7(a) loans to small and medium-sized businesses nationwide. Part of Newtek Business Services Corp, offering integrated business solutions including lending, payments, and technology services.
U.S. Bank, National Association
SBACincinnati, OH
Fifth-largest commercial bank in the U.S. and a top SBA preferred lender. Offers SBA 7(a) and 504 loans, conventional commercial lending, commercial real estate, and a full suite of business banking products.
Celtic Bank Corporation
SBASALT LAKE CITY, UT
Industrial bank and top SBA preferred lender headquartered in Salt Lake City. Specializes in SBA 7(a) lending for business acquisitions, partner buyouts, commercial real estate, and working capital. Also offers USDA business loans.
US Metro Bank
SBAGARDEN GROVE, CA
Community bank serving Southern California's diverse business community. A top SBA 7(a) lender specializing in commercial real estate and business acquisition loans, with particular strength in the Korean-American business community.
Readycap Lending, LLC
SBABERKELEY HEIGHTS, NJ
Non-bank SBA preferred lender offering SBA 7(a) and 504 loans nationwide. Specializes in commercial real estate, business acquisition, and expansion financing for small businesses. Known for fast closings and flexible underwriting.
Bank of Hope
SBALOS ANGELES, CA
One of the largest Korean-American banks in the U.S. and a top SBA 7(a) lender. Offers commercial real estate loans, SBA lending, trade finance, and full-service commercial banking with branches across major metro areas.
GBank
SBALAS VEGAS, NV
Fast-growing community bank based in Las Vegas and a top SBA preferred lender. Specializes in SBA 7(a) loans for hospitality, gas stations, convenience stores, and commercial real estate acquisition.
Wells Fargo Bank National Association
SBASioux Falls, SD
One of the largest banks in the U.S. and a major SBA preferred lender. Offers the full range of SBA programs including 7(a) and 504 loans, alongside conventional commercial lending, commercial real estate, and equipment financing.
Austin Commercial Real Estate Market
Austin's CRE market has experienced extraordinary growth driven by a technology sector boom that has attracted Tesla's Gigafactory, Samsung's semiconductor expansion, Apple's $1 billion campus in Northwest Austin, and Google and Meta offices downtown. The Domain and Domain Northside in North Austin have become the metro's second downtown, with millions of square feet of office, retail, and multifamily space catering to tech-sector tenants. South Congress (SoCo) and East Austin have been transformed from gritty residential neighborhoods into high-demand creative office, retail, and hospitality submarkets. The southeastern corridor toward Del Valle, anchored by Tesla's Giga Texas and Austin-Bergstrom International Airport, represents the newest industrial and manufacturing growth frontier, while the Round Rock-Georgetown corridor along I-35 is absorbing massive suburban commercial development.
Key Economic Drivers
- ●Tesla Giga Texas manufacturing facility in southeastern Travis County producing Cybertrucks and Model Ys
- ●Samsung Austin Semiconductor's expanded chip fabrication facility in Taylor, Texas
- ●Apple's $1 billion Northwest Austin campus and the Domain tech office corridor
- ●University of Texas at Austin, Dell Technologies, and the broader tech ecosystem along the MoPac and I-35 corridors
Market Insight
Austin's office market experienced rapid rent escalation and then significant adjustment as tech sector layoffs and return-to-office uncertainty increased sublease availability — borrowers should pay close attention to sublet overhang, particularly in the CBD and Domain submarkets.
Commercial Mortgage in Austin, Texas
Conventional commercial mortgages provide long-term financing for stabilized, income-producing commercial properties. Offered by banks, credit unions, and institutional lenders with competitive rates for qualified borrowers and properties. In the Austin metro area, borrowers can access 72 lenders offering Commercial Mortgage financing, including Round Rock, Cedar Park, Georgetown, and surrounding areas. Loan amounts typically range from $250K to $50M with rates from 6% - 8%.
Who Should Consider Commercial Mortgage?
- Stabilized income properties
- Long-term holds
- Refinancing
- Experienced investors
Key Requirements
- Stabilized property with income history
- DSCR ≥ 1.20-1.25
- LTV ≤ 75-80%
- Borrower experience and liquidity
Advantages
- ✓Lower rates than bridge/hard money
- ✓Longer terms
- ✓Predictable payments
- ✓Build equity over time
Considerations
- •Stricter underwriting
- •Longer closing timeline
- •Prepayment penalties
- •Recourse may be required
Commercial Mortgage in Other Texas Cities
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