Types of Commercial Real Estate Loans in Dallas–Fort Worth | DFW CRE Loan Guide 2025

Terrydale Capital

Oct 3, 2025 8 Min read

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The Main Types of Commercial Real Estate Loans in Dallas–Fort Worth

When people talk about commercial real estate (CRE) in Dallas–Fort Worth, the first thing that comes up is growth. DFW is one of the fastest-growing regions in the U.S. But growth requires financing, and not every loan fits every project.

So, what are the types of commercial real estate loans available here? And how do you pick the right one?

Let’s break it down.

 

1. Permanent Loans (Buy & Hold / Refinance)

Permanent loans are long-term debt for stabilized properties — those already leased and generating income. These are the backbone of CRE financing.

Key Features:

Terms from 5–30 years

Lower rates than short-term debt (5–6.5% in late 2025)

Up to 75–80% loan-to-value (LTV)

Best suited for income-producing assets like leased retail, industrial, or multifamily

Local DFW Lenders:

United Texas Bank

Northmarq Dallas

Dallas Capital Bank

Example: An investor refinances a 30,000 sq. ft. office in Richardson with a 10-year fixed loan, pulling out equity to fund another deal.

 

2. Construction Loans (Ground-Up & Major Rehab)

If you’re building from scratch or doing heavy redevelopment, you’ll need a construction loan.

Key Features:

Terms of 12–36 months

Interest-only during build

Funds are drawn in stages (as milestones are completed)

DFW Lenders:

Dallas Capital Bank (construction & development loans)

Bridgewell Capital

Northmarq (arranges large development financing)

Example: A developer in Frisco secures a 24-month construction loan for a retail strip, later refinancing into permanent debt.

 

3. Bridge Loans (Short-Term Transition Financing)

Bridge loans are temporary financing used when a property isn’t ready for permanent debt.

Key Features:

Terms of 6–24 months

Higher interest (7–9% in today’s market)

Often interest-only

Exit strategy required (refinance or sale)

DFW Bridge Lenders:

Bridgewell Capital

DFW Hard Money

Private Capital Investors

Example: An investor buys a vacant warehouse in Dallas with a 12-month bridge loan, renovates it, leases it out, then refinances.

 

4. SBA Loans (For Owner-Occupied Properties)

SBA loans are a strong option for businesses that will occupy their buildings.

SBA 7(a): Flexible, up to 25 years for CRE.

SBA 504: Perfect for fixed assets. Bank covers 50%, SBA-backed CDC covers 40%, borrower puts down 10%.

Where to Apply: SBA-approved banks and credit unions in Dallas–Fort Worth.

Example: A dental practice in Plano buys its office with an SBA 504 loan, locking in a long-term fixed rate with just 10% down.

 

5. Hard Money Loans (Private Lending)

For deals that don’t fit bank criteria — distressed, unconventional, or fast-close — hard money lenders step in.

Key Features:

6–18 month terms

Higher rates (9–13% in DFW)

Faster approval, less red tape

Local Lenders:

DFW Investor Lending

Noble Mortgage

Private Capital Investors

Example: A buyer in Fort Worth uses a hard money loan to grab a foreclosure, rehabs it, then sells for profit.

 

6. Mezzanine & Preferred Equity Financing

For larger or more complex projects, mezzanine debt and preferred equity fill funding gaps. These structures are common in institutional deals above $10M.

Mezzanine debt: Higher-cost debt layered on top of senior financing

Preferred equity: Equity structured with priority returns

Example: A developer building a 300-unit multifamily in Arlington layers mezzanine debt on top of bank financing to reach 85% leverage.

 

Where Terry Dale Live Fits In

Knowing the loan types is one thing. Getting the right one — at the right terms — is another.

That’s where Terry Dale Live comes in. Based in Dallas, Terry Dale Live specializes in matching investors and developers with the right financing solutions. They don’t just connect you to one lender — they shop across banks, bridge lenders, private money sources, and institutional capital providers.

Here’s how they help:

Loan Strategy: They analyze whether your deal fits best with permanent, bridge, or hard money financing.

Access to Capital: They bring relationships with multiple lenders, giving you more options than going bank by bank.

Negotiation Power: By structuring deals and leveraging lender competition, they often secure better rates and terms.

Example: A multifamily investor in Fort Worth uses Terry Dale Live to secure bridge financing while repositioning an apartment complex. Once stabilized, Terry Dale’s team refinances the property into permanent debt with a lower rate — all with less hassle than managing multiple lender relationships directly.

 

Current Rates in DFW (Late 2025 Snapshot)

Loan TypeTypical RateNotes
Permanent Loans5.0–6.5%For stabilized assets
SBA 504~6.25%Fixed, long term
Bridge Loans7.5–9.5%Higher for vacant or risky deals
Construction Loans7–10%Short-term, interest-only
Hard Money9–13%Fast close, higher fees

 

Options in DFW area

In DFW, you have options.

If your property is stabilized: go permanent.

If you’re building: take a construction loan.

If you need time: bridge it.

If you’re owner-occupied: go SBA.

If it’s a distressed deal: hard money is likely.

If it’s a big project: consider mezzanine or preferred equity.

And if you don’t want to spend weeks calling lenders? Terry Dale Live can do it for you. They know the Dallas market and can pair you with the right financing strategy for your deal.

Partner With Terrydale Capital for Your Debt Financing Needs

When it comes to debt financing, understanding the right timing, process, and options is crucial. At Terrydale Capital, we provide a comprehensive range of commercial loan solutions tailored to meet your business's unique needs.

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