If you own commercial real estate in McAllen, Edinburg, Pharr, Mission, or anywhere in Hidalgo County, the equity in your building is one of the fastest sources of capital available — if you skip the bank.
Why Commercial Owners Use It
- Buy out a business partner
- Fund equipment, expansion, or inventory
- Acquire an additional commercial property
- Pay off higher-cost short-term business debt
- Resolve back taxes or liens before they escalate
How a Private Commercial Cash-Out Works
We underwrite the property — its value and your equity — not your last three years of business tax returns. A typical structure:
- • Max LTV: Up to 70%
- • Term: 3- or 10-year balloon
- • Payments: Principal and interest (no interest-only)
- • Rate: 12.95% or 14% depending on file
- • Prepayment penalty: None
- • Close: Typically 1–2 weeks
Example: A Pharr Strip Center
A 12,000 sq ft retail building valued at $850,000 with $200,000 owed. Max loan at 70% LTV = $595,000. Pay off existing mortgage ($200K) and the owner walks with roughly $395,000 in working capital — closed in 12 days.
What We Don't Do
We do not fund ground-up construction, rehab, fix-and-flip, conventional or bank-style commercial mortgages, or DSCR loans. We fund stabilized commercial property with real equity.
Next Step
Run quick numbers on our commercial calculator or request a property-based quote.