Skip to main content
Apply nowApply now
Direct private lending in most states
Call us anytime at 512-617-9400
Program 04
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.
$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
*Typical terms, subject to underwriting and market conditions.
Run your CRE Bridge numbers.
Pressure-test the deal in seconds with our free bridge loan calculator, no sign-up required.
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.
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.
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.
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.
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.
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.
FAQ
CRE Bridge questions, answered.
What can a commercial bridge loan be used for?
Bridge capital is for repositioning or stabilizing a commercial property before permanent financing: value-add, lease-up, a partner buyout, or pulling equity out through a cash-out. We lend across property types on terms up to 24 to 36 months, with loans up to $10M.
What rates, leverage, and terms should I expect?
Our commercial bridge pricing starts around 9%, interest-only, up to roughly 75% loan-to-value, on terms up to 24 to 36 months. Published bridge pricing generally runs 8% to 12% with 1 to 3 points. Final terms depend on the asset, the business plan, and sponsor strength.
How fast can a commercial bridge loan close?
Commercial deals usually close in 2 to 4 weeks. They take a little longer than residential because of the appraisal, the rent roll and operating-statement review, and any third-party reports. We move as fast as the diligence allows and keep one point of contact on your file.
Do I need positive cash flow (DSCR) to qualify?
Not necessarily at closing. Bridge loans are often underwritten interest-only to the as-stabilized business plan rather than a minimum in-place DSCR, since the property is being repositioned. We do want to see a credible path to stabilization and enough in-place income or reserves to carry the loan.
What documents do you need for a commercial bridge request?
Typically the purchase contract or current debt, a rent roll and trailing-12-month operating statement, your business plan and renovation budget, and sponsor financials. Larger assets may also need a property condition report and an environmental review. We will give you a clear checklist up front.
Is the loan recourse, and is cash-out available?
Most bridge loans are recourse with a personal guarantee, while lower-leverage non-recourse can be possible on stronger assets. Cash-out is available when there is equity to support it. We structure recourse and leverage around the specific deal.
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 More in Laredo
Other programs in Laredo
Fix and FlipUp to 90% / 100% rehabRental / DSCR30-yr fixed, DSCR from 0.75Ground-Up ConstructionUp to 70% LTV, most statesTransactional FundingSame-day double-close capitalBank Statement / No-DocNo tax returns requiredConventional InvestmentNon-owner-occupied investmentPortfolio LoansMultiple properties, one loanCRE PermanentLong-term agency & permSBA Financing7(a) & 504 placement
Funding Laredo deals fast.
Get real terms, usually same day. No obligation, no hard credit pull to start.