Who We Are
1st Commercial Lending: Your Commercial Small Business Financing Partner in Houston
1st Commercial Lending provides market-leading solutions, industry expertise, we are here to help our clients’ growth and success, enhancing the communities we serve. We are Commercial Real Estate, SBA and Business Lending experts with more than 25 years’ experience. We are here to tailor your financial goals and building thriving community and creating financial tools that enrich lives.
We serve large corporations, mid-sized companies and small companies.
Let 1st Commercial Lending help you to make your real estate goals a reality, whether you're looking to acquire land for the next great retail project or simply expand your office space. Apply for loans to
purchase brand new facilities, give your current place of business a little breathing room or develop
property commercially.
What We Offer
Our team works with you to develop customized financing to assist you with real estate acquisitions, refinancing, or new construction.
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 Loan Basics:
- Competitive interest rates
- Several convenient commercial real estate loan options available
- Expand, purchase new facilities, renovate, buy land, and more
- Includes financing for commercial development needs
- Flexible terms up to 10 years with amortization periods up to 25 years
- Local Houston area business understanding and expertise
- Loan decisions made locally
- Know how to work your loan for approved
- Healthcare & Hospitality
- Multi-Family Property
- Shopping Center
SBA Lending
SBA alternative that make it easier to access capital and make business acquisitions.
As a business owner, you have several options to consider when it comes to getting funding. Small Business Administration (SBA) loans are popular among business
owners because they are available in a wide range of amounts and offer longer repayment terms. In addition, SBA loans can be used for many different purposes.
These include launching a startup, buying another company, expanding an existing business, boosting working capital, refinancing business debt, and purchasing fixed assets. Ameris Bank offers the SBA’s 7(a) and 504/CDC loan programs to small businesses nationwide.
- Flexible terms to improve
- repayment ability and preserve
- working capital
- Business acquisition financing
- Equipment, working capital and
- inventory loans
- Fast loan processing, competitive loan rates and one-on-one service
- Terms as long as 25 years
- Real estate loans
- Franchise lending
- Debt Refinancing
- Reduced equity requirements
SBA Express Loan
SBA Express Loan( Stream Line Process). Loan from $100k-$350.
a. SBA Express Loan- is a small business loan designed to provide
quick access to capital for small businesses.
b. 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.
c. Who qualify for an SBA Express Loan?
- You must be a for-profit business located in the United States
- Have a business plan that demonstrates the ability to repay the loan.
- You must meet the SBA’s definition of a small business.
- No real time in business is required, it’s can be a start-up.
- No Prepayment Penalty
- No Delinquencies on previous government loan.
Business Loan
Our Expertise...
Our Business Finance Advisors leverage exclusive lender relationships to connect clients with the
right commercial financing for their unique circumstances. Work with your dedicated Business
Finance Advisor to personalize your financing to your unique needs.
- $50,000 to $2 million business financing
- One simple and fast application
- Multiple offers with larger amounts
- Lower rates and longer terms
- No minimum credit score
- No real estate collateral needed
We take a pragmatic approach to purchasing loans and will assess potential transactions involving
any loan type. Commercial loans may be considered whether they are 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