Commercial Financing for Cleburne
Cleburne is the Johnson County seat and an established commercial market south of the DFW metro core. The commercial base is a mix of retail along Henderson Street and Highway 67, light industrial, owner-occupied small business inventory, and a historic downtown that has seen adaptive reuse investment. Cleburne benefits from its position at the edge of the DFW growth area and the relative affordability of its commercial real estate.
Commercial real estate in Cleburne
Community banks, SBA Preferred Lenders, and regional Texas banks dominate the lender conversation. The market is moderate in scale but reliably financeable, with opportunities for sponsors who know the area well.
Common Cleburne loan types
These are the loan programs that see the most activity in the Cleburne market based on the local asset mix and typical deal profiles.
SBA 504
SBA 504 Loans
The only commercial loan product in the country that gives owner-occupiers a 20- or 25-year fixed rate on 40% of their purchase.
- Loan size
- $500K → $15M
- Close
- 60–90 days
Retail
Retail Property Loans
Financing for grocery-anchored, unanchored strip, and net-lease retail across the DFW Metroplex.
- Loan size
- $500K → $150M
- Close
- 60–90 days
Owner-Occupied
Owner-Occupied Commercial Loans
Buy the building you work in. 10% down and 20-year fixed rates for DFW business owners transitioning from tenant to owner.
- Loan size
- $250K → $15M
- Close
- 45–90 days
Industrial
Industrial Loans
Capital for warehouse, distribution, flex, and manufacturing assets in one of the country's hottest industrial markets.
- Loan size
- $1M → $300M
- Close
- 60–90 days
Cleburne, common questions
Is Cleburne part of the DFW commercial market?
At the edges, yes. The city benefits from some DFW growth spillover but also has its own established economic base. Community bank and SBA capital are the most active lender pool.
Can I do a historic downtown deal in Cleburne?
Yes. Adaptive reuse projects in the downtown square have been financed through a mix of community bank and specialty capital. Some qualify for historic tax credit structures.
What about industrial in Cleburne?
Active at smaller scale. Light industrial and flex see steady community bank activity, and SBA 504 works for owner-users.
Cleburne deal? Let's look at it.
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