What Is Real Estate Lending?

Real estate lending refers to the process of providing capital to individuals or businesses for the purchase, development, or improvement of real property. At TRB, we specialize in commercial financing real estate projects across Texas, offering personalized support and local decision-making to help you move forward with confidence.

Real Estate Construction Financing

Construction financing is a short-term loan used to fund the ground-up construction of commercial properties. These loans are interest-only during the construction phase and paid off or converted into permanent financing once the project is complete.

Key Features:

• Competitive construction financing rates
• Flexible draw schedules to match project milestones
• Local underwriting and approvals
• Ideal for new construction financing of office buildings, retail centers, multifamily units, and more

Whether you're a developer or investor, TRB’s construction loans provide the capital you need to break ground and build with confidence.

Real Estate Development Financing

Development financing supports the broader scope of real estate projects, including land acquisition, site preparation, and infrastructure improvements. TRB works with developers across Texas to fund project development financing and commercial site projects that shape communities and drive economic growth.

Ideal For:

• Residential projects
• Mixed-use and commercial developments
• Land improvement and entitlement costs

Our experienced lending team understands the complexities of development and offers financing structures that align with your project timeline and goals.

Real Estate Permanent Financing

What is Permanent Financing?
Permanent financing is a long-term loan that replaces a short-term construction or bridge loan once a property is stabilized and generating income. It provides predictable payments and long-term financial security for property owners.

Benefits of TRB’s Permanent Financing:

• Competitive rates for commercial real estate permanent financing
• Fixed or variable terms tailored to your cash flow
• Ideal for office buildings, retail centers, apartment building, and industrial properties
• Trusted support for permanent financing real estate needs

With TRB, you can transition from construction to long-term ownership seamlessly, backed by a lender that understands your business and your market.

The TRB Advantage

At Texas Regional Bank, we offer more than just financing—we offer a partnership built on trust and local expertise. Here’s why developers and investors across Texas choose TRB:

• Local Expertise: Informed decisions made by lenders who understand Texas real estate markets.
• Flexible Financing: Competitive rates and terms for construction, development, and permanent real estate financing.
• End-to-End Solutions: One bank for every stage—land acquisition, new construction financing, and long-term commercial real estate permanent financing.
• Transparent Process: No hidden fees, clear communication, and a smooth path from application to funding.
• Proven Experience: A trusted partner in building development finance and commercial real estate projects across the state.

Whether you're building, developing, or refinancing, Texas Regional Bank is your partner in progress. Contact our experienced lending team today to explore your options and start your application.

Apply Now