Commercial Financing for Midlothian
Midlothian has quietly become one of the most important industrial development markets in Texas. The city's location on US-287 just south of I-20 put it on the institutional industrial map as land in the northern DFW industrial belt became scarce. Major distribution, manufacturing, and specialty industrial projects have delivered in Midlothian over the last decade, and the pipeline for ground-up development remains one of the most active in the state.
Commercial real estate in Midlothian
For borrowers, Midlothian means institutional industrial capital competing for the largest deals alongside community banks and SBA lenders handling the smaller owner-occupied and flex transactions. The capital markets depth here has matured rapidly as the industrial inventory has grown.
Common Midlothian loan types
These are the loan programs that see the most activity in the Midlothian market based on the local asset mix and typical deal profiles.
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
Construction
Construction Loans
Capital for building it, industrial, multifamily, retail, hospitality, and mixed-use construction across the Metroplex.
- Loan size
- $1M → $250M
- Close
- 45–90 days
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
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
Midlothian, common questions
Is Midlothian still in a growth phase?
Very much so. Industrial absorption has remained strong, and the ground-up construction pipeline continues to deliver. Experienced sponsors continue to find opportunities.
Can I get life-co debt on Midlothian industrial?
Yes on stabilized institutional product. The submarket has matured into a legitimate life-co market for trophy distribution and manufacturing assets with strong tenants.
What's the owner-occupied picture in Midlothian?
Active. SBA 504 works well here because land prices are reasonable and the industrial user base continues to grow. Small manufacturers and distributors regularly buy their first building in Midlothian.
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