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Commercial Real Estate Loans for Long-Term Business Growth
Plains State Bank offers commercial real estate loans in Houston for purchases, construction, and refinancing. Flexible terms and expert guidance support long-term business success. Contact us today to begin our stress-free application process.
Commercial Real Estate Financing That Supports Your Goals
Commercial real estate plays a critical role in business growth, stability, and long-term planning. Plains State Bank provides commercial real estate loans designed to help Houston businesses purchase, build, expand, or refinance properties that support their operations.
Access to the right financing allows businesses to invest confidently in offices, retail spaces, industrial facilities, and mixed-use properties. Our lending team works closely with business owners, investors, and operators to structure loans that align with:
- Property use
- Cash flow
- Future plans
Commercial Real Estate Loan Options
Property Purchases and Acquisitions
Purchasing commercial property is a significant investment. Plains State Bank offers financing solutions that help businesses acquire real estate while preserving working capital. Our loans support a wide range of property types, including office buildings, retail centers, warehouses, and multi-unit commercial properties.
Loan structures are tailored to the property’s purpose and your business’s financial profile, providing predictable payments and competitive terms.
Commercial Construction and Development
For businesses planning new construction, we offer commercial construction loans that support projects from the ground up. Financing can cover:
- Land acquisition
- Building construction
- Related development costs
Our team works with borrowers throughout the construction process, helping ensure financing aligns with project timelines and long-term occupancy plans.
Expansion, Renovation, and Leasehold Improvements
As businesses grow, existing spaces may need upgrades or expansion. Commercial real estate loans can fund renovations, modernization projects, and leaseholder improvements that enhance functionality and customer experience.
These loans allow businesses to improve their properties without disrupting cash flow or delaying growth initiatives.
Refinancing Existing Commercial Real Estate
Refinancing commercial real estate can:
- Reduce monthly payments
- Improve interest rates
- Consolidate debt
Plains State Bank evaluates current loan structures and market conditions to help businesses refinance strategically. Refinancing may also unlock equity to support additional investments or operational needs.
SBA Loans for Commercial Real Estate
As a Preferred SBA Lender, Plains State Bank offers SBA-backed commercial real estate loans that provide favorable terms and extended repayment periods. SBA financing is often used for owner-occupied properties and construction projects that benefit from lower down payments and predictable long-term payments.
SBA loan programs support purchases, construction, and refinancing, making them a strong option for businesses seeking flexibility and long-term affordability.
How Commercial Real Estate Loans Support Business Stability
Owning or controlling commercial property can strengthen a business’s financial position. Real estate loans help stabilize occupancy costs, protect against rising rents, and create long-term value.
Commercial real estate financing also allows businesses to align property investments with operational needs, whether that involves increasing square footage, improving workflow, or positioning for future expansion.
With structured repayment schedules, businesses can plan confidently while building equity over time.
Secure Your Commercial Real Estate Loan
Step 1: Define the Property and Purpose
Begin by discussing your commercial real estate goals with our Houston lending team. We review the property type, intended use, and how the investment supports your business operations.
Step 2: Structure the Right Financing
Based on your goals, we recommend the best loan option: either a traditional commercial real estate loan or SBA-backed financing. We clearly explain terms, repayment schedules, and documentation requirements.
Step 3: Apply and Move Forward
Our team assists with the application process and coordinates next steps through approval and funding. Once finalized, financing is provided so you can move forward with your property investment.
A Commercial Real Estate Lending Partner You Can Rely On
Plains State Bank offers commercial real estate lending with a strong focus on relationship-based banking. Our Houston-based lending team takes time to understand your business model, property goals, and long-term plans before recommending a financing solution. This personalized approach helps ensure your loan structure supports both current operations and future growth.
We provide access to traditional commercial real estate loans and SBA-backed financing, giving businesses the flexibility to purchase, construct, or refinance property. As a Preferred SBA Lender, we help streamline the lending process and reduce delays often associated with complex transactions.
From initial consultation through funding and beyond, Plains State Bank delivers clear communication, efficient processing, and ongoing support, making us a trusted partner for commercial real estate financing in Houston.
Frequently Asked Questions
What Types of Properties Can Be Financed?
Commercial real estate loans can finance office buildings, retail spaces, industrial facilities, warehouses, and owner-occupied properties.
Can I Use a Commercial Real Estate Loan for Construction?
Yes. Financing is available for new construction projects, including land acquisition and building costs.
Are SBA Loans Available for Commercial Real Estate?
Yes. SBA-backed loans are commonly used for owner-occupied commercial properties and offer longer terms and lower down payments.
How Are Loan Terms Determined?
Loan terms depend on property type, occupancy, financial performance, and credit profile. Repayment schedules are structured to support cash flow.
Can I Refinance an Existing Commercial Property Loan?
Yes. Refinancing may help lower payments, adjust loan terms, or access equity.
How Long Does the Approval Process Take?
Approval process times vary, but Plains State Bank works efficiently to provide access to funds quickly.
Do Commercial Real Estate Loans Require a Down Payment?
Down payment requirements vary by loan type and property. SBA loans often require lower down payments than traditional financing.
Can I Combine Commercial Real Estate Financing With Other Loans?
Yes. Financing can be structured alongside equipment loans or working capital solutions to support broader business needs.
Get Started With Commercial Real Estate Financing
Invest in your business’s future with a Plains State Bank commercial real estate loan. Contact our Houston lending team or visit a branch to discuss your property goals and receive a tailored financing solution.