Bridge & Commercial # Commercial Hard Money Loan Requirements in Texas Here is what we review for a Texas commercial hard money loan, including the property, your income or value-add plan, equity, documents, and exit. [Apply Now](https://cedartoplending.com/apply/) [Get a Quote](https://cedartoplending.com/contact/) By Cedar Top Lending · Published June 22, 2026 · Last updated July 23, 2026 ## Quick answer Texas commercial hard money loan requirements focus on the property, any income or value-add plan, the equity, the borrower profile, and the exit strategy. Cedar Top lends on non-owner-occupied commercial investment property in Texas, up to 75% loan to value, subject to underwriting, collateral review, title review, documentation, and approval. A [commercial hard money loan](https://cedartoplending.com/hard-money-loans/commercial/) is reviewed with an asset-focused approach: the property, your plan, and your exit. We lend on non-owner-occupied Texas commercial investment property. For how hard money works overall, start with [what hard money lending is](https://cedartoplending.com/blog/what-is-hard-money-lending-texas/), and for the full review picture, see [hard money loan requirements in Texas](https://cedartoplending.com/blog/hard-money-loan-requirements-texas/). ## Core Requirements for a Texas Commercial Hard Money Loan Here is what we look at on a commercial loan: Requirement What we look at Why it matters Texas investment property That the property is commercial investment real estate in Texas We lend on Texas investment property Non-owner-occupied use That the property is non-owner-occupied investment property We lend on non-owner-occupied property only Property type and condition Eligible commercial property and its condition The property carries the loan Income or value-add plan Rents, leases, or the value-add plan, as applicable Income and value-add affect the review Equity position The equity in the property and your cash position Commercial loans are leverage-based Borrower profile Credit, experience, liquidity, and entity, as applicable The borrower is reviewed alongside the property Exit strategy A refinance or sale plan The exit is how the loan gets repaid Title status Title condition and a lender's title policy Title issues can slow or stop a transaction Insurance Appropriate commercial property insurance Collateral is protected during the loan Documentation The supporting documents for the property and deal Complete information keeps the review moving ## Eligible Commercial Property Types We lend on: - Retail and retail centers - Office buildings - Industrial property - Value-add commercial property Terms run 6 to 12 months with extension provisions. Full terms are on the [commercial loans](https://cedartoplending.com/hard-money-loans/commercial/) page. ## Income and Value-Add Plans Many commercial loans involve income, a value-add plan, or both. We look at how your income or your plan supports the property and your exit, and whether the plan is realistic. Nothing here is a quote. ## Exit Strategy A commercial loan needs a realistic way out. Common exits: - A commercial refinance after stabilization - Sale of the property - Refinancing once a value-add plan is complete We look at whether your exit fits the property, the plan, and the timeline. ## Documents Required Property information and photos, a rent roll and leases where applicable, operating information, the purchase contract, entity documents and ID, a title company contact, and your exit or refinance plan. Fuller list: our [documents checklist](https://cedartoplending.com/blog/hard-money-loan-documents-checklist-texas/). ## What Can Slow Down a Commercial Review These do not always stop your loan, but they can slow the review or require more documentation: - An unclear value-add or income plan - An exit that is not realistic for the property - Title or collateral questions - Unsupported value assumptions - A property outside Texas - Owner-occupied use - Insurance gaps - Incomplete borrower or entity information ## Related resources Apply for a Texas commercial hard money loan. Send us the property, your rent roll or plan, and your exit, or call 817-984-3129. Review is subject to underwriting, collateral review, title review, documentation, and approval. [Apply Now](https://cedartoplending.com/apply/)[Get a Quote](https://cedartoplending.com/contact/)[Commercial Loans](https://cedartoplending.com/hard-money-loans/commercial/) ## Frequently Asked Questions ### What commercial property does Cedar Top review? Texas retail centers, office buildings, retail, and industrial investment property, non-owner-occupied, up to 75% loan to value. See our commercial loans page for full terms. ### What does a commercial review focus on? The property, your income or value-add plan, your equity, your borrower profile, and your exit strategy. ### Does Cedar Top lend on owner-occupied commercial property? We focus on non-owner-occupied commercial investment property. Business and investment-purpose loans on investment real estate are the fit, not owner-occupied premises. ### How does value-add affect the review? Your value-add plan is part of the project picture. We look at whether the plan is realistic for the property and how it supports your exit. ### What exit strategies fit commercial? A commercial refinance after stabilization or a sale. We look at whether your exit is realistic for the property and the plan. ### What documents are reviewed for a commercial loan? Property information, a rent roll and leases where applicable, operating information, photos, and your exit plan. Not every deal requires every document. ### What can slow down a commercial review? An unclear value-add or income plan, an unrealistic exit, title or collateral questions, or incomplete documentation. These do not always stop your loan, but they slow it down. ## Related Reading - [Fix and Flip Scope of Work Checklist](https://cedartoplending.com/blog/fix-and-flip-scope-of-work-checklist/) Fix & Flip What your fix-and-flip scope of work and budget can include for a Texas hard money review - line-item work, costs, timeline, and how the scope ties to draws. - [Hard Money Loan Documents Checklist in Texas](https://cedartoplending.com/blog/hard-money-loan-documents-checklist-texas/) Guides A Texas hard money loan documents checklist covering your property details, purchase documents, borrower information, project plans, and exit strategy. - [Hard Money Loan Requirements in Texas](https://cedartoplending.com/blog/hard-money-loan-requirements-texas/) Guides See what Cedar Top reviews for your Texas hard money loan, including the property, your equity position, your borrower profile, documents, and your exit strategy. This article is general education for real estate investors, not financial, legal, or tax advice. Non-owner-occupied investment property only. Terms, rates, and availability are subject to underwriting, collateral review, title review, documentation, and approval. This is not a commitment to lend. See our [disclosures](https://cedartoplending.com/licensing-disclosures/). --- Canonical URL: https://cedartoplending.com/blog/commercial-hard-money-loan-requirements-texas/