Commercial Bridge Financing in Texas
Transitional & Value-Add Assets • Acquisition • Recapitalization
Commercial bridge financing in Texas is short-term, transitional capital used by sponsors to acquire, reposition, recapitalize, or stabilize commercial real estate while preparing for permanent financing or sale. Bridge capital is active across the state's primary and secondary MSAs, supporting hospitality, multifamily, retail, office, industrial, and mixed-use assets in Dallas, Houston, Austin, San Antonio, and Fort Worth. Texas's capital demand is shaped by Dallas Fort Worth International Airport, George Bush Intercontinental Airport, and the Port of Houston, the University of Texas and Texas A and M systems, the energy and petrochemical economy, the Texas Medical Center and broader healthcare base, Fort Cavazos and Joint Base San Antonio, and one of the country's largest multifamily and industrial markets. Cornovus Capital manages the full bridge engagement from initial underwriting and capital structure analysis through term negotiation, structuring, and closing execution, ensuring transparency, speed, and certainty of execution from underwriting through closing.
Bridge capital in Texas is active across the full spectrum of transitional commercial real estate, including multifamily acquisition and lease-up in Dallas, Houston, Austin, San Antonio, and Fort Worth, industrial and logistics repositioning tied to the Port of Houston, the DFW logistics corridor, and the energy and petrochemical base, hospitality renovation and recapitalization in the major convention and tourism markets, office and mixed-use repositioning in the Austin technology corridor and the Houston medical and energy economy, and retail value-add across the state's primary and secondary MSAs. Bridge transactions in Texas typically range from $3 million to $100 million per asset, with 6 to 36 month interest-only terms and leverage to 85% loan-to-cost using cross-collateralization or equity pledges. For sponsors evaluating commercial bridge financing in Texas, Cornovus Capital structures bridge and structured debt for acquisitions, recapitalizations, repositioning, lease-up financing, and refinance timing gaps, with capital executed through institutional and private debt sources matched to the transaction.
Typical Bridge Loan Terms
| Eligible Markets | Dallas, Houston, Austin, San Antonio, and Fort Worth, and secondary markets across Texas |
| Property Types | Hospitality, multifamily, retail, office, industrial, mixed-use, and specialty commercial |
| Loan Size | $3 million to $100 million per property; portfolios to $200 million and above |
| Term | 6 to 36 months with extension options |
| Leverage | Up to 75 to 85% LTC or cost coverage using cross-collateralization or equity pledges |
| DSCR | Interest-only; DSCR flexibility for qualified sponsors |
| Collateral | First-mortgage position; cross-collateralized when applicable |
| Rate | Market-driven floating or fixed rates based on risk profile |
| Amortization | Interest-only during term |
| Recourse | Non-recourse; partial recourse available case-by-case |
| Closing Timeline | 10 to 30 days after executed term sheet and due diligence |
| Eligible Borrowers | Developers, investors, and operators with qualified experience |
Key Details
- Fast closings: Typically 10 to 30 days with bridge capital sources.
- Flexible terms: 6 to 36 month interest-only structures with extensions.
- High leverage: Up to 85% LTC using cross-collateralization or equity pledges.
- Transitional assets: Funding for non-cash-flowing or value-add projects.
- Renovation and CapEx: Construction draws and improvement reserves.
- Exit alignment: Structured for HUD, CMBS, LifeCo, or sale takeouts.
Who Qualifies for Bridge Financing?
- Developers and sponsors executing construction or adaptive reuse projects.
- Investors seeking acquisition or refinance strategies with value-add potential.
- Business owners using bridge financing to expand or recapitalize operations.
- Portfolio owners needing interim capital between ownership cycles or takeouts.
About Cornovus Capital
Cornovus Capital structures and executes SBA loans, bridge financing, CMBS, SBA 504, conventional multifamily, and LifeCo transactions for sponsors, developers, owner-operators, and operating businesses nationwide. Every transaction is underwritten to institutional credit committee standards, with structural issues identified early, sizing built to lender reality, and the full credit package prepared before a capital partner is ever engaged.
Cornovus Capital operates across seven debt execution silos: Bridge and Structured Debt, SBA 7(a), SBA 7(a) 100% CRE, SBA 504, CMBS and Conduit, Conventional Multifamily (Agency and LifeCo), and Student Housing, with a Hospitality Owner's Representation overlay led by principals with direct owner-operator experience across the full asset lifecycle. The quantitative underwriting platform applies institutional credit standards across every transaction, delivering depth, consistency, and turnaround speed.
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Connect with Cornovus Capital
Bridge financing in Texas supports transitional, value-add, and time-sensitive transactions across the state's primary and secondary MSAs, with debt fund and institutional capital active across hospitality, multifamily, retail, office, industrial, mixed-use, and specialty commercial assets. For active acquisition, refinance, recapitalization, or expansion opportunities, begin with the appropriate financing request. For early-stage discussions, use our inquiry path to confirm program fit and execution strategy.
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