Commercial Construction Loans in Harris County Texas
Fix and Flip Loans Texas provides fast, flexible commercial construction loans in Harris County, Texas for developers, investors, and builders. With over 1,000+ funded real estate investment projects across Texas, we specialize in financing ground-up construction and large-scale development deals. Serving real estate investors across Texas, including Houston, Pasadena, Baytown, and surrounding markets, we are trusted in neighborhoods from Denver to Texas Springs.
Loan Program Overview
Commercial construction loans are designed for ground-up builds and major redevelopment projects.
Key Features:
- Up to 85% loan-to-cost (LTC)
- Interest-only payments during construction
- Flexible draw schedules
- Terms from 12–24 months
- Asset-based approvals
How to Qualify
- Construction plans and budget
- Developer experience
- Exit strategy (sale or refinance)
- Market demand and location
Property Types Eligible
- Multifamily developments
- Retail centers
- Office buildings
- Mixed-use properties
- Industrial buildings
Fast Funding Timelines
- Same-day deal review
- Term sheet within 24 hours
- Close in 7–14 business days
- Draw disbursements within 24–72 hours
Local Lending Experience
We understand the Harris County construction landscape, including Houston permitting and zoning requirements, floodplain and drainage regulations, contractor availability and costs, and inspection timelines across multiple municipalities. Projects near downtown Houston and major highway corridors require detailed planning, strict compliance, and efficient execution to avoid delays and keep developments on schedule.
Benefits Over Traditional Banks
Faster Closings
Financing for complex projects
Flexible Underwriting
Custom draw schedules
No income verification
FAQs
A loan used to finance ground-up or major commercial development projects.
Typically 7–14 business days depending on the deal.
No, loans are based on the project and asset.
Up to 85% loan-to-cost.
Get Started Today
Apply now for fast approval and speak to a local Texas lending expert today. Submit your deal scenario for same-day feedback to get the support you need to move forward quickly with Fix and Flip Loans Texas.