Commercial Loans
Commercial loans finance income-producing properties such as office buildings, retail spaces, warehouses, and multi-family apartment complexes.
Commercial loans finance income-producing properties such as office buildings, retail spaces, warehouses, and multi-family apartment complexes. These loans are evaluated based on the property's cash flow potential, debt service coverage ratio, and borrower's commercial real estate experience. Commercial mortgages typically feature shorter terms, higher down payment requirements, and variable interest rates compared to residential loans.
NOI-Driven Analysis
Deals evaluated on net operating income and lease strength.
Term-Sheet Negotiation
Structure, amortization, and covenants negotiated for you.
Texas Licensed
Commercial finance across Texas, NMLS #2692844.
How do commercial loans compare to residential investor loans?
| Commercial | Residential investor (DSCR) | |
|---|---|---|
| Property types | Office, retail, industrial, multifamily 5+ units, mixed-use | 1-4 unit residential rentals |
| Underwriting focus | Property income, leases, and business strength | Property rental income vs. payment |
| Loan structure | More customized terms and amortizations | Standardized 30-year style structures |
| Documentation | Rent rolls, operating statements, leases | Lease or market rent analysis |
| Best fit | Business premises and larger income property | Residential rental portfolios |
Program guidelines vary by scenario. Contact us for options based on your situation.
Frequently Asked Questions
What is a Commercial Loan program?
Commercial loans finance income-producing properties such as office buildings, retail spaces, warehouses, and multi-family apartment complexes.
How do I apply for Commercial Loans with TPRG Capital?
Request a free quote or apply online, then a TPRG Capital loan officer will review your goals and recommend the best commercial loans option for your situation. Call (972) 679-1613 to get started.
What counts as a commercial property?
Office, retail, warehouse and industrial space, mixed-use buildings, and multifamily properties of five or more units. Residential rentals of 1-4 units usually fit better under our DSCR programs instead.
Can I buy my business\u2019s building instead of renting?
Often, yes — owner-occupied commercial financing turns rent into equity. If your business has steady cash flow and a few years of history, owning your premises may be more attainable than you think.
How are commercial loans underwritten?
Primarily on the property\u2019s net operating income and lease strength, plus the borrower\u2019s experience and liquidity. Terms are more negotiated than residential lending — which is where having a financier in your corner matters.
Where do I start with a commercial purchase?
With the numbers: the property\u2019s rent roll, operating expenses, and your target structure. Send us those basics and we will frame realistic financing scenarios before you ever write an offer.
Ready to Explore Commercial Loans?
Get a free, no-obligation quote today.
Secure & Confidential • Quick Process • No Obligation
Get Started With Commercial Loans
Commercial financing is negotiated, not shopped off a shelf. We frame your property\u2019s income story and negotiate structure on your behalf.
What to know before you start
We underwrite your rent roll and operating statements first — the same math the lender will run — so the term sheets you see are grounded in reality.
From letter of intent to funding, your financier coordinates third-party reports, lender questions, and closing logistics on a business timeline.
From The Star in Frisco, we arrange commercial financing across Texas under NMLS #2692844 — owner-occupied buildings, multifamily 5+, retail, and mixed-use.
Own a business paying rent? The buy-versus-lease analysis is free and often persuasive.
For small-business owners weighing owner-occupied purchase, the SBA\u2019s loan program overview. When you are ready, request your free quote today.
This content is for general information only and is not a commitment to lend or an offer of specific terms. Program guidelines, qualification requirements, and terms are subject to change without notice. All loans subject to credit approval. TPRG Capital, Jimmy D. Williams, NMLS #2692844. Equal Housing Lender. Licensed in Texas.