Commercial
Restaurant Loan in Houston, TX
Secure your Restaurant Loan in Houston with a lender who understands the local landscape. We serve all of Harris County, including Montrose and River Oaks, offering fast approvals and personalized service.
Key Facts About Restaurant Loan
CMRE Restaurant Loan ranges from $250,000 to $50,000,000.
CMRE offers commercial bank statement programs for Restaurant Loan.
CMRE Restaurant Loan closes in LLC, corporation, or trust names.
CMRE commercial lending covers office, retail, industrial, and multifamily.
CMRE Restaurant Loan ranges $250K to $50M.
CMRE commercial bank statement programs for Restaurant Loan.
CMRE Restaurant Loan closes in LLC/Corp/Trust.
CMRE commercial covers office, retail, industrial, multifamily.
Program Benefits
Competitive interest rates starting at 8.5% to maximize profitability.
Financing available for acquisition, renovation, or expansion projects.
Flexible repayment options to align with your restaurant's cash flow.
Streamlined application process for quick access to capital.
Expert guidance from experienced commercial loan specialists.
Boost your restaurant's growth potential with tailored financing solutions.
Program Highlights
Max LTV
75%
Min Credit Score
640
Max DTI
55%
Loan Amount Range
$50,000 - $5,000,000
Amortization Options
Eligible Properties
- Freestanding Restaurant
- Strip Mall Restaurant
- Restaurant within a Commercial Building
Program Requirements
Income Documentation
- •Demonstrate a consistent revenue stream with detailed financial statements.
- •Provide a comprehensive business plan outlining projected income and expenses.
- •Submit at least two years of tax returns to verify financial stability.
- •Show proof of sufficient cash flow to cover loan repayments.
Asset Verification
- •List all business assets, including real estate, equipment, and inventory.
- •Provide appraisals or valuations of significant assets to determine their value.
- •Show proof of ownership for all listed assets.
- •Maintain a healthy balance sheet demonstrating strong asset-to-liability ratio.
Insurance & Title
- •Maintain comprehensive business liability insurance coverage.
- •Provide proof of property insurance to protect against damages.
- •Acquire worker's compensation insurance if you have employees.
- •Ensure adequate coverage to protect against potential risks and liabilities.
Property Requirements
- •Maintain a minimum FICO score of 640 to qualify for favorable terms.
- •Demonstrate a history of responsible credit management.
- •Provide a detailed credit report showcasing your creditworthiness.
- •Address any past credit issues with documented explanations.
Restaurant Loan in Houston: The Complete Guide
What Is Restaurant Loan?
Navigating the world of restaurant financing can be complex. CMRE offers tailored solutions to meet your specific needs, whether you're starting a new venture or expanding an existing one. Understanding the different types of restaurant loans available, such as SBA loans, equipment financing, and commercial real estate loans, is crucial for making informed decisions. Our experts can guide you through the process and help you choose the right loan for your restaurant.
Qualifying for Restaurant Loan
- •Underwritten on property income (DSCR) and borrower financial strength.
- •Typical DSCR requirement: 1.20x-1.25x (NOI / debt service).
- •2+ years business experience, adequate liquidity, acceptable credit.
- •CMRE commercial bank statement programs: qualify with 12-24 months statements instead of tax returns.
- •SBA programs (7(a), 504, Express) available for owner-occupied commercial with as low as 10% down.
Restaurant Loan vs. Residential Lending
- •Commercial: underwritten on property cash flow. Residential: on borrower income.
- •Commercial terms: 5-10 year terms with 25-30 year amortization.
- •Commercial allows LLC/Corp entity vesting for asset protection.
- •CMRE offers both — our team determines the best structure for your situation.
Apply for Restaurant Loan with CMRE
- •Step 1: Submit property details — type, location, price, NOI, business plan.
- •Step 2: CMRE provides preliminary terms within 48 hours.
- •Step 3: Application with financial statements, rent rolls, entity docs.
- •Step 4: Appraisal and environmental assessment.
- •Step 5: Underwriting in 2-4 weeks. Closing in 30-60 days.
Current Mortgage Rates
30-Year Fixed Rate
6%
as of 3/5/2026 · FRED
15-Year Fixed Rate
5.43%
as of 3/5/2026 · FRED
Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.
Get Your Rate →Restaurant Loan in Houston, TX
Houston's trusted mortgage partner. Serving The Heights, River Oaks, and the greater Houston area with competitive rates. Custom Mortgage & Real Estate specializes in providing high-fidelity Restaurant Loan solutions tailored to the unique economic landscape of Houston and the surrounding Harris County.
Our FinTech-driven approach allows us to offer competitive rates and streamlined processing for homeowners and investors across the entireHouston metropolitan area.
Service Areas & Neighborhoods
Our Houston Presence
Local Knowledge. Global Rates.
2800 Post Oak Blvd
Houston, TX 77056
Direct Line
877-976-5669Common Questions About Restaurant Loan in Houston
What are current Restaurant Loan rates in Houston, TX?
Restaurant Loan rates in Houston depend on loan amount, credit profile, and property type. CMRE publishes updated Houston rate ranges daily and provides locked quotes within 24 hours of application.
How long does Restaurant Loan closing take in Houston?
CMRE typically closes Restaurant Loan loans in Houston within 21-30 days from application. Pre-approval takes 24 hours, and our TX-licensed team coordinates title, escrow, and appraisal concurrently to save time.
What commercial property types qualify in Houston?
CMRE finances office, retail, industrial, multifamily, mixed-use, and special-purpose properties in Houston and throughout Harris County. Loan amounts range from $500K to $50M with 5-10 year fixed-rate terms.
Does CMRE offer SBA loans in Houston?
Yes. CMRE is an SBA Preferred Lender in Houston. We offer SBA 7(a), 504, and Express loans for Harris County business owners purchasing or refinancing commercial real estate.
Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Frequently Asked Questions
Restaurant loans can be used for a variety of purposes, including purchasing or renovating a restaurant space, buying equipment, covering operational expenses, and expanding your business.
The term length for a restaurant loan can vary depending on the lender and the specific loan product. Terms can range from 5 to 25 years, with shorter terms typically offered for equipment financing and longer terms for commercial real estate loans.
The amount you can borrow depends on factors such as your credit score, financial history, and the value of your collateral. CMRE offers restaurant loans ranging from $50,000 to $5,000,000, allowing you to secure the funding you need to achieve your business goals.
CMRE Restaurant Loan starts at $250,000. SBA may start lower. Max depends on property type — up to $50M.
Yes. Entity vesting is standard for commercial. Personal guarantee typically required.
Yes. CMRE commercial bank statement programs use 12-24 months statements instead of tax returns.
Typically 5-10 year terms with 25-30 year amortization. CMRE structures terms based on cash flow and exit strategy.
30-60 days depending on complexity. SBA: 45-90 days.
Restaurant Loan by Location
Get local rates, loan limits, and market data for Restaurant Loan in your area.
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Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
