Commercial Financing for Richardson
Richardson is defined commercially by the Telecom Corridor, a stretch of US-75 that has held the largest concentration of technology company office space in North Texas for more than three decades. The city's commercial real estate has always tracked with the ups and downs of the tech industry, and the current cycle has been one of the more interesting, corporate tenants have recalibrated space, creating both challenges for older Class B office and opportunities for adaptive reuse and repositioning.
Commercial real estate in Richardson
Beyond the Telecom Corridor, Richardson contains a mature multifamily inventory that has absorbed steadily and a solid base of medical office and flex product along the Central Expressway corridor. The presence of UT Dallas on the north side of the city supports student housing, smaller retail, and specialty commercial users.
Common Richardson loan types
These are the loan programs that see the most activity in the Richardson market based on the local asset mix and typical deal profiles.
Office
Office Building Loans
Capital for suburban, urban, medical, and creative office assets across the Dallas-Fort Worth Metroplex.
- Loan size
- $1M → $200M
- Close
- 60–90 days
Bridge
Bridge Loans
Short-term debt capital for acquisitions that need speed, value-add projects that cannot wait for a permanent loan, and refinances with a story.
- Loan size
- $500K → $150M
- Close
- 2–4 weeks
Multifamily
Multifamily Loans
Agency, bridge, and construction debt for multifamily properties across the DFW Metroplex.
- Loan size
- $1M → $500M
- 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
Richardson, common questions
Is Richardson office still financeable?
Trophy Class A with strong tenancy continues to quote. Older Class B with short WALTs requires more equity and a repositioning story, typically financed with bridge debt. Medical office remains the easiest sub-segment to finance in Richardson.
Can I do SBA on an owner-occupied Richardson building?
Yes. Richardson has a deep base of professional services and tech-adjacent small businesses that routinely use SBA 504 to buy their office or flex space. The 10%-down economics make the math compelling versus leasing in the current office market.
Does UT Dallas affect multifamily financing?
Yes, particularly for product adjacent to campus. Student-housing-oriented multifamily has its own lender pool that underwrites differently than conventional workforce-housing product. Occupancy and leasing patterns track the academic calendar.
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