Welcome
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Commercial Real Estate,
SBA and Business Lending
Who We Are
Your Commercial Small Business Financing Partner in Houston
1st Commercial Lending offers expert Commercial Real Estate, SBA, and Business Lending solutions backed by 25+ years of experience. We serve businesses of all sizes, tailoring financial tools to support growth and build stronger communities. Whether you're expanding office space, acquiring land, or developing property, we help turn your real estate goals into reality.
What We Offer
Term Loans: Purchase or refinance a stabilized property with a fixed rate loan. Terms are available up to 10 years with a 25 to 30-year amortization schedule.
Construction Loans: Finance the ground-up construction or renovation of all property types with a construction loan. Terms are generally available up 2-3 years and can include a term loan option at construction completion and stabilization.
Commercial Real Estate Loans:
- Competitive interest rates
- Several loan options
- Expand, purchase new facilities, renovate, buy land, and more
- Financing for commercial development needs
- Flexible terms up to 10 years with amortization periods up to 25 years
- Local Houston area business
- Healthcare and Hospitality Property
- Multi-Family Property
- Shopping Center
How We Help You
Looking for an alternative that simplifies access to capital and supports business acquisitions?
As a business owner, you have options beyond traditional funding. And we have the tools.
Small Business Administration (SBA) loans is a popular choice thanks to their flexible amounts, long repayment terms, and wide range of uses — from launching startups and acquiring businesses to expanding operations, increasing working capital, refinancing debt, and purchasing assets.
- Flexible terms (as long as 25 years)
- Business acquisition financing
- Equipment, working capital and inventory loans
- Fast loan processing,
- Competitive loan rates
- 1-on-1 service
- Real estate loans
- Franchise lending
- Debt Refinancing
- Reduced equity requirements
SBA Express Loan
A small business loan designed to provide quick access to capital for small businesses
Loan from $100k-$350k
These loans are fast turnaround time, and usually for:
- Inventory Equipment (5-10 year loan).
- Working Capital (5–10-year loan).
- Other business-related expenses.
- Acquisition and start-up
- Purchase commercial real estate.
- Debt Refinance.
- Line of Credit- 5-year loan.
- These loan can close between 3-4 week.
More importantly, we will help you to determine your eligibility.
Business Lending
Our team has your back
Our Business Finance Advisors use exclusive lender relationships to match clients with the right commercial financing for their unique needs. Get personalized support and flexible funding from $50,000 to $2 million—with just one quick application.
- Multiple offers with higher amounts
- Lower rates and longer terms
- No minimum credit score required
- No real estate collateral needed
We take a practical approach to loan purchases, considering all types of commercial loans—performing, sub-performing, or non-performing.
What are the documents you need to apply for the loan?
We'll be with you at every step of the way