Corpus Christi commercial bridge loans, purchase to takeout.
Access equity or finance a project before permanent financing. Flexible commercial bridge across property types, with terms up to 24-36 months and loan sizes up to $10M. Corpus Christi trades on the ship channel and its industrial tenants, and with no metro CRE data published, we underwrite the tenant. Business-purpose only, and every structure is set in underwriting.
Typical figures, subject to underwriting and market conditions. Not a commitment to lend.
How it works
Use bridge capital to reposition an asset, buy out a partner, or stabilize before a refinance. We move quickly on commercial deals that banks find too time-sensitive. When the asset is stabilized, we refinance you out of the bridge and into long-term permanent debt, which we also place in house, so you have a clear exit from day one.
What actually trades as commercial real estate in Corpus Christi right now?
Industrial and port-adjacent, not office or retail. The Corpus Christi Ship Channel Improvement Project finished in 2025, deepening the channel from 47 to 54 feet and widening it from 400 to 530 feet, a permanent upgrade for bigger vessels. The port itself moved 203.4 million tons in 2025, still the third largest US port by waterborne tonnage even though total tonnage fell 1.5% from 2024. Across the channel in San Patricio County, Gulf Coast Growth Ventures (ExxonMobil and SABIC) in Gregory and the Steel Dynamics flat-roll mill in Sinton are the two named industrial anchors, each reported around 600 permanent jobs. No metro-level CRE vacancy, rent or cap-rate series exists for Corpus Christi, so we price the deal on the tenant and the lease, not a published market number. See the CRE bridge program for full terms.
How does windstorm insurance change the underwriting on a Corpus Christi commercial deal?
It caps how much wind coverage a single asset can carry through the state pool. All three Corpus Christi MSA counties, Nueces, San Patricio and Aransas, are first-tier coastal counties in the Texas Windstorm Insurance Association's designated catastrophe area, and TWIA wrote 54% of Nueces County's residential wind exposure in 2025. On the commercial side, TWIA's maximum limit of liability for commercial risks is $4,424,000 per risk, effective 2026-01-01, with a standard deductible of 1% per item per occurrence. A larger asset, or one that needs coverage above that ceiling, has to go to the surplus lines market for the excess layer. Budget the premium as cash rather than financed: House Bill 2518, effective 2025-09-01, bars premium financing on TWIA policies, so it has to be paid outright or through TWIA's own installment plan.
Is the LNG and refining buildout across the ship channel still driving demand, or is it already built?
It's finishing, not starting, as of mid-2026. Cheniere's Corpus Christi Stage 3 expansion is seven midscale LNG trains: Train 1 reached substantial completion 2025-03-16, Train 3 produced first LNG in September 2025, Train 4 completed by year-end 2025, and Train 5 produced first LNG in February 2026, with the remaining trains expected to reach substantial completion later in 2026. At full buildout the Corpus Christi LNG facility's expected capacity tops 25 million tonnes a year. The practical read for a bridge deal: the construction-workforce peak that drives temporary housing and laydown-yard demand is behind this metro, not ahead of it, so price a lease-up or repositioning on the tenant in front of you rather than an assumed incoming wave of construction labor.
What does the city's water situation have to do with financing an industrial site here?
It's a live constraint, not background color, and it moves. Corpus Christi spent 20 months under Stage 3 drought restrictions from December 2024 to August 2026, easing to Stage 2 on 2026-08-04 once the western reservoirs crossed 30%. As of 2026-08-13 the city's own dashboard shows combined western reservoirs at 43.1%. The city is also mid-contracting on a roughly $979 million seawater desalination plant, permitted by the Army Corps of Engineers on 2025-03-25 but not yet under construction. Neither fact should be dropped into a pro forma as settled: confirm current restriction stage and any site-specific water-availability terms with the city before you commit a bridge term to a leasing or build-out schedule.
How much does property tax move a Corpus Christi commercial pro forma?
Roughly 2.2% of assessed value, with no homestead relief on a commercial parcel. Stacking the 2025 rates per $100 of value for a City of Corpus Christi parcel: Nueces County 0.289789, the Nueces County Hospital District 0.089495, the City of Corpus Christi 0.599774, Corpus Christi ISD 0.9583 and Del Mar College about 0.276, for a combined stack near 2.21 per $100. That figure is directional, built from rates reported across the county's own notice and local press coverage of the adopting votes, not a single certified source, and it excludes any drainage district or other special-district overlay that may sit on a specific parcel. Verify the actual stack on the Nueces Central Appraisal District account before you underwrite year-two operating expense, and talk to your CPA about how it affects your exit basis.
How much equity do I need in a Corpus Christi commercial deal?
At least 25% of value. Max leverage is up to 75% LTV. On a $2,000,000 Corpus Christi property that is up to $1,500,000 from us and $500,000 of cash or existing equity from you (2,000,000 x 75% = 1,500,000), interest-only across a term of up to 24 to 36 months. A cash-out refinance runs at the same leverage against the same value. Subject to underwriting.
My credit took a hit on an earlier deal. Does that end a Corpus Christi bridge conversation?
Usually not. There is no minimum score on this program. We run credit, but on an asset-based bridge it counts for far less than it would at a bank, and weaker credit is normally handled with lower leverage rather than a decline. There is no hard pull to start. What actually drives the decision here is the tenant and the lease, which is how we price Corpus Christi anyway, since no metro-level CRE vacancy or cap-rate series is published for this market. Subject to underwriting.
Does TWIA's $4,424,000 commercial cap limit how big a Corpus Christi bridge deal works?
Not the loan, which runs up to $10M, but it does shape the insurance file. One Corpus Christi-specific check belongs in the file well before that ceiling: TWIA's maximum limit of liability for commercial risks is $4,424,000 per risk, so an asset worth more than that needs a surplus lines layer for the excess, and the premium has to be budgeted as cash. Bring the insurance conversation in at the same time you size the loan. Subject to underwriting.
Local rules move. Every tax rate, fee, ordinance and market figure here comes from a primary source and carries the date we read it, and we correct them as the rules change. Where a number is mid-change or we could not verify it, we say so rather than guess. Before you commit a budget, confirm anything that drives it with the city or county, and talk to your attorney or CPA on questions of law or tax.
Published by USA Mortgage Funding, LLC, NMLS #152588. Researched from primary sources by our team, drafted with AI assistance, and every figure checked against its source before publishing. Where an answer rests on a public record, that record is linked under it. Figures read on 2026-08-13.
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