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Program 05

CRE Bridge in Laredo

Laredo commercial bridge loans for freight and logistics space.

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. Laredo's land-port trade drives demand for cross-dock, bonded warehouse and 3PL space along I-35 and Loop 20, and with no current metro-level vacancy or cap-rate data published, we underwrite the tenant and the lease. Business-purpose only, and every structure is set in underwriting.

CRE Bridge in Laredo, TX from USA Mortgage
$10M
max loan
24-36 mo
terms
All types
property
Cash-out
available

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.

Who it's for
Value-add commercial real estate
Repositioning and lease-up
Partner buyouts
Pre-stabilization holds
Typical terms
Loan amountUp to $10M
Max leverageUp to 75% LTV
TermUp to 24 to 36 months
RateFrom 9.00%*
PaymentsInterest-only
StructureBridge or cash-out
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*Typical terms, subject to underwriting and market conditions.

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Local FAQ

CRE Bridge in Laredo, answered.

What commercial property actually transacts in Laredo right now?
Logistics and freight-adjacent industrial, not office or retail. Laredo handled 2,945,388 incoming truck crossings in calendar 2025, 22.9% of all truck crossings at every US land port combined, 2.6 times the next-busiest land port (Detroit), and 4.1 times the volume of the Hidalgo port that serves McAllen. That volume is what fills cross-dock terminals, bonded warehouses and third-party logistics space along I-35 and Loop 20, not a downtown office or retail corridor. See the CRE bridge program for full terms.

Sources: data.bts.gov

Is there a current Laredo industrial vacancy or cap rate number to underwrite against?
Not one we'll put in front of you. A CBRE brief dated 2023-02-17 profiled Laredo industrial at 36 million square feet of inventory, 1.5% vacancy and $9.53 NNN asking rent, but that data is three years old and should not be read as current. Current vacancy, absorption and cap rate figures for this market are not available from a source we would stand behind, and we will not repeat the numbers floating around commercial blogs. We price this market on the tenant and the lease in front of us, not a published market average.

Sources: cbre.com

Why does speed of funding matter more in Laredo than in a bigger Texas metro?
Because deal flow here is thin and relationship-sourced. The residential side of the market runs about 570 active listings against 281,224 residents, roughly 2.0 listings per 1,000 people, well under McAllen's 3.7. That same scarcity of comparable, marketed inventory carries over to the commercial side of a small, freight-concentrated metro: a bridge lender who can move on a deal without waiting on a full data set is often the difference between closing and losing the space to a buyer who moved faster.

Sources: fred.stlouisfed.org

Does windstorm insurance complicate a Laredo commercial deal the way it does on the Texas coast?
No, and that's a genuine underwriting advantage. Webb County is not one of the 14 first-tier coastal counties in the Texas Windstorm Insurance Association's catastrophe area, so a Laredo asset buys wind and hail coverage in the standard market with no TWIA policy and no WPI-8 certificate requirement. That's one fewer moving part on the insurance side of a Laredo commercial file than on a Corpus Christi or Brownsville deal.

Sources: twia.org

How much does the school district matter on a Laredo commercial acquisition?
More than most buyers expect, and it's worth checking before you underwrite carry. Laredo ISD's TY2025 adopted rate is 1.156800 per $100 of value against United ISD's 0.721655, a 43.5-cent spread, and adding a municipal utility district changes the picture further: Gateway MUD #1 and Webb County MUD #1 each levy 1.000000 per $100 on top of the base stack. Two otherwise comparable parcels can carry a meaningfully different tax line depending purely on which taxing entities sit behind them, and Webb County offers no homestead exemption or 10% cap to soften it on an investment property.

Sources: webbcountytx.gov

What's the structural case for holding logistics real estate in Laredo, beyond the trade headlines?
The local job base, not a cyclical construction wave. Trade, transportation and utilities jobs are 36,200 of 115,900 total nonfarm jobs in Laredo as of July 2026, 31.2% of local employment against an 18.1% national share, a concentration almost no other US metro matches. That's demand tied to the port operating day in and day out, not a buildout that finishes and moves on.

Sources: fred.stlouisfed.org

More CRE Bridge questions, answered on the program page

Resources

Guides for CRE Bridge

Rates & Costs · 5 min read
Hard Money Loan Rates and Costs, Explained
Read the guide
Bridge · 4 min read
What Is a Bridge Loan in Real Estate?
Read the guide
Getting Funded · 4 min read
LTV vs LTC: What's the Difference?
Read the guide
Getting Funded · 4 min read
How Fast Can a Hard Money Loan Close?
Read the guide
Browse all guides
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About the local figures on this page

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 2026-08-28.

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