Access equity in El Paso with commercial bridge loans.
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. El Paso runs on the trade corridor rather than a published cap-rate table, so we underwrite the tenant and the freight behind the lease. 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's actually driving demand for warehouse and industrial space in El Paso?
Freight volume through the port, and a documented shift to higher-value manufacturing across the border. The Ysleta port of entry handled $86.8 billion in total trade in 2024 ($57.7 billion imports, $29 billion exports), 12.1 million crossings, and supports 174,030 direct and indirect jobs. As of May 2026 the three-month moving average of imports through the El Paso trade district ran an annualized $139.1 billion, and total trade volumes were up 21.9 percent year over year, a jump the Dallas Fed attributes to Ciudad Juarez's mix shifting toward data-center electronics. Transportation and warehousing alone employs 19,682 people in the county. We have not been able to source a published CRE vacancy, rent or cap-rate series for this metro, so we underwrite the lease and the tenant's freight volume, not a market comp.
Is the nearshoring story in El Paso actual investment, or just a talking point?
Named, dollar-figure investments, not a trend piece. Wiwynn, a Taiwanese data-center server manufacturer that expanded its Juarez production in 2024 and 2025, announced a $150 million manufacturing and testing facility in El Paso. Meta is building a $1.5 billion, 1-gigawatt AI-focused data center in the metro, and the Army announced a self-contained data center on the grounds of Fort Bliss targeted for 2027. Juarez maquiladora employment fell 18 percent from 2023 to 2025 (317,000 to 259,500 workers) even as the number of plants held steady, because the mix moved up-market: computer and electronic products trade through the El Paso district rose 87 percent from 2023 to 2025. That is the twin-plant model reviving, assembly in Juarez, testing and higher-value work in El Paso, and it is a real driver for cross-dock and small-bay industrial space here. See the CRE bridge program for terms.
What are the named risks to the border trade story a lender should price in?
Two, both named directly by the Dallas Fed, not hypothetical. First, uncertainty around the 2026 USMCA renegotiation could suppress border manufacturing investment. Second, Mexico imposed new tariffs at the start of 2026, 20 to 35 percent and up to 50 percent on selected items, on imports from countries without a Mexican free-trade agreement (China, India, South Korea, Thailand, Indonesia), covering automobiles, auto parts, textiles, clothing and plastics, which raises maquiladora input costs on the Juarez side of the corridor. A tenant whose business model depends on lower-cost cross-border inputs is more exposed to this than a straight logistics or distribution tenant. We underwrite the specific lease, not the headline trade number.
Does government and military employment give El Paso commercial tenants any stability?
Yes, and it's a bigger share of the base than most Texas metros. Government jobs run about 20 percent of covered employment in El Paso County (69,225 of 342,914, fourth quarter 2025), and Fort Bliss alone accounts for $29.1 billion in economic output, 121,220 total jobs supported, 30,288 active-duty soldiers and 185,499 military retirees, the largest retiree population of any Texas installation the Comptroller tracks. Health care and social assistance adds another 50,919 jobs. That's a federal-payroll-anchored tenant and customer base for retail, medical office and services space near the post, though we have no El Paso-specific CRE rent or cap-rate data to size the premium it commands. Talk to your CPA or advisor about how a federally anchored tenant base affects your own exit assumptions.
How does El Paso's property tax stack change a commercial pro forma versus other Texas metros?
Higher than most, and heavier still on the newest inventory. A City of El Paso parcel runs roughly 2.5 to 2.76 per $100 of assessed value depending on the ISD, for example 2.643693 (county, hospital district, community college, city, El Paso ISD) up to 2.763493 with Ysleta ISD. A far-east parcel in a Paseo del Este municipal utility district adds another 0.6237 to 0.8018 per $100 on top of that stack, which can push a new-build parcel to roughly 3.3 per $100. Pull the actual overlay list from the El Paso Central Appraisal District for the specific parcel before you set year-two operating expense; the newest, most attractive-looking inventory here often carries the heaviest tax.
With no published El Paso cap-rate series, how much equity do you want in the deal?
At least 25%, because leverage runs up to 75% LTV. On a $2,000,000 El Paso industrial building that is up to $1,500,000 from us and $500,000 of equity from you (2,000,000 x 75% = 1,500,000), interest-only, on loan sizes up to $10M. Since no published CRE vacancy, rent, or cap-rate series exists for this metro, the value we lend against comes out of the appraisal and the lease, not a market comp table. Subject to underwriting.
Does an El Paso building with government-anchored tenancy support a cash-out bridge?
Yes. This program does bridge or cash-out, up to $10M and up to 75% LTV. On a building valued at $3,000,000 that is up to $2,250,000 of total debt (3,000,000 x 75% = 2,250,000), less whatever already sits against it, with the balance to you. Terms run up to 24 to 36 months, interest-only. A government-anchored tenant base helps that file: government work, most of it local rather than federal, is about 20 percent of covered employment in El Paso County. Subject to underwriting.
Do the 2026 USMCA and Mexican tariff risks fit inside a 24 to 36 month bridge?
It is the window we underwrite to, and it should cover a lease-up or a repositioning. Terms run up to 24 to 36 months, interest-only, and what we want to see is a credible exit inside that window. In El Paso that usually means a signed lease with a tenant whose freight or payroll we can trace, because there is no published local cap-rate series to underwrite against. Price the named risks into the exit too: the 2026 USMCA renegotiation and Mexico's new tariffs both land on tenants who depend on cross-border inputs. 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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