commercial
Commercial Real Estate Loans
Financing for commercial and multifamily real estate — purchases, refinances, bridge loans, construction and development, and permanent financing for stabilized income properties.
Eligibility
- Property cash flow that supports the debt — measured by debt service coverage ratio (DSCR)
- A reasonable loan-to-value (LTV) ratio, with equity or a down payment in the project
- Credit history and demonstrated capacity to repay
- Experience owning or operating commercial real estate helps, though it isn't always required
- A viable property or project — location, condition, and income potential all count
Key benefits
- Financing for both owner-occupied and investment properties
- Loan structures customized to the project and the borrower — not one-size-fits-all
- Purchase, refinance, bridge, construction, and permanent financing under one roof
- Higher borrowing limits than typical consumer lending
- One local team from application through closing
Commercial real estate lending, done locally
Barton Creek Lending Group finances commercial and multifamily real estate for Texas property investors, developers, and business owners who occupy their own buildings. That covers purchases and refinances of commercial property, multifamily housing, short-term bridge loans, construction and development financing, and long-term permanent loans for stabilized income properties. Every project is different, so we structure each loan around the property, the plan, and the borrower — terms vary by project and program.
Purchase and refinance
Whether you're acquiring an office building, retail center, industrial property, hospitality asset, or mixed-use development — or refinancing debt on one you already own — we finance both owner-occupied and investment properties. Owner-occupants get a building their business controls instead of a lease that keeps climbing; investors get financing sized to the property's income rather than a rigid consumer checklist.
Multifamily
Multifamily housing is a core part of what we do, in Austin and across Texas. From smaller apartment properties to larger income-producing communities, we finance acquisitions, refinances, and value-add plans where the goal is to improve a property and grow its rents over time.
Bridge loans
Sometimes the right property won't wait for the perfect loan. A bridge loan provides short-term capital so you can close quickly, fund improvements, or carry a project until permanent financing or a sale is lined up. It's the tool for the in-between stage: buy it, stabilize it, then refinance it into something long-term.
Construction and development
For ground-up construction, major renovations, land development, and property improvements, construction financing funds the work in stages as the project progresses. We'll walk through your budget, timeline, and exit plan up front so the loan matches how the project will actually get built.
Permanent financing
Once a property is stabilized — leased up and producing steady income — permanent financing provides long-term fixed or adjustable-rate debt built for holding. It's the natural landing spot after a bridge or construction phase, or simply the right structure for a property that's already performing.
How qualification works
Commercial lending looks at the property as much as the borrower. The big four:
- Cash flow and DSCR. The debt service coverage ratio compares the property's income to its loan payments. If the property comfortably covers its own debt, that carries real weight.
- Loan-to-value (LTV). How much you're borrowing against what the property is worth. More equity in the deal generally means more flexibility on structure.
- Experience. A track record owning or operating commercial real estate helps, especially on construction and value-add projects — though first-time owner-occupants buy buildings every day.
- Property and project viability. Location, condition, tenancy, and a credible plan. We're underwriting the deal as a whole, not just a credit score.
Credit history, repayment capacity, and your equity contribution round out the picture. Requirements vary by program, and we'll tell you early and plainly where a deal stands.
Who it's for
Texas investors buying or repositioning income property, developers building or renovating, and business owners who'd rather own their building than rent it. Barton Creek Lending Group is licensed in Texas, Colorado, Florida, and Tennessee — talk to an officer about where your project qualifies.
Let's talk through your project
Commercial deals are rarely identical, and the right structure usually comes out of a conversation, not a form. Reach out to a Barton Creek Lending Group loan officer, tell us about the property and the plan, and we'll map out the financing options that fit.
Frequently asked
- What types of commercial properties can BCLG finance?
- Barton Creek Lending Group finances office buildings, retail centers, industrial properties, multifamily housing, hospitality, mixed-use developments, and owner-occupied commercial properties. Whether you're buying, refinancing, building, or bridging to a longer-term loan, our lending is focused on commercial and multifamily real estate.
- What is a DSCR and why does it matter?
- Debt service coverage ratio (DSCR) compares a property's income to its loan payments. A DSCR above 1.0 means the property earns more than it owes each month, which is the core question most commercial lenders ask. Instead of qualifying primarily on your personal income, the property's cash flow does much of the talking.
- What is a bridge loan?
- A bridge loan is short-term financing that provides immediate capital until permanent financing is in place or the property is sold. Investors often use bridge loans to close quickly on an acquisition, fund improvements that stabilize a property, or carry a project between phases. Once the property is stabilized, the bridge is typically refinanced into a permanent loan.
- Do you finance multifamily properties in Austin?
- Yes. Multifamily housing is a core part of our commercial lending in Austin and across Texas — from smaller apartment properties to larger income-producing communities. We finance multifamily purchases, refinances, bridge scenarios, and permanent loans for stabilized properties.
- Can I get a commercial loan for a building my business will occupy?
- Yes. Owner-occupied commercial real estate — a building your own business operates from — is one of the most common scenarios we finance. Owning your space can replace rent with equity, and qualification looks at both the property and your business's financial strength. Terms vary by project and program.