What are Real Estate Loans?

Real Estate loans or commercial real estate loans refer to loans that are received from financial lending institutions like banks and credit unions, at interest rates that could be fixed or floating and is payable within a specified period; with real estate as collateral.

An additional source of income may be required at certain times to revamp your business or to even purchase machinery. A real estate loan is a good option for additional income to further improve the status of any business.

Our real estate loans will cover any form of real estate you may intend to acquire. They may include hotels/motels, medical buildings, office buildings, commercial and industrial buildings, religious institutions, shopping malls, etc.

The Benefits of Real Estate Loans

Though there might be potential prepayment penalties as well as heavy closing costs, there are other features that make the real estate loan a better option for business financing. These features may include:

  • Pre-defined payment structure
  • Comparatively lower monthly payments to short terms
  • Comparatively longer repayment terms to short terms

Also, our real estate loan gives you access to a loan amount of above $50 million with loan amortization of 10 – 30 years. And at a competitive interest rate of less than 12%, you are certain of having a loan within a period of 2 weeks and an origination fee as low as 1%.

Who Qualifies for a Real Estate Loan

Who Qualifies for a Real Estate Loan

Anyone is eligible for a real estate loan. However, it is important that the business has been operational for at least 2 years and has been generating revenue for this period of time.

Having a fair credit score of 580 and above qualifies any business organization for a real estate loan. But the credit score is not enough to decide if a person actually qualifies for a loan.

The annual revenue becomes an index as the business must be able to service the loan. Having annual revenue of over $200,000 makes you a perfect candidate for a real estate loan.

How Term Loans Work?

How Real Estate Loans Work?

Real estate loans maintain the same method of operation like other forms of loans but just a slight difference in the nature of the collateral that is involved.

With a real estate loan, you are able to purchase, develop and construct real estates. You can also use it to pay off existing debts.

The collateral in real estate loan is usually a real estate. This means that when the organization defaults in the loan payment as agreed, they will eventually lose the real estate.

Whatever form of building you wish to own, we facilitate the process ensuring that you have your exact desire within days.

How to Apply for a Real Estate Loan

How to Apply for a Real Estate Loan

You get to face a lot of bottlenecks and bureaucracies when you try to get a real estate loan from other traditional financial institutions. We however try to facilitate the process to ensure that these limitations are erased.

To ensure a speedy and smooth real estate loan process, a few stipulations will be required of you. These stipulations include:

  • A valid driver’s license
  • Bank statements
  • Profit and loss statements
  • Voided business check
  • Business and personal tax returns
  • Balance sheets
What it will Cost you

What it will Cost you

It is necessary to go through the terms and policies of a real estate loan before you put pen to paper. Doing this enables you to be sure of the exact cost of the loan you are applying for.

Loan terms and interest rates affect the overall cost of the loan in the long run. Asking the lender to clear all grey areas is important so as you know how a real estate loan affects your business financials.

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Sintia is a proud Houstonian who is earning her Bachelors of Psychology at the University of Houston Downtown. In the future, she hopes to become an Immigration Lawyer where she can live out her passion of helping individuals relocate for greater opportunities. Sintia joined Valiant Capital in April 2020 as the Support Specialist where she enjoys engaging and helping clients with all documentation needed to finalize their loan request.

In her free time, she volunteers at her church as a youth group leader where she enjoys making a positive impact in the youth community.

Sintia Carcamo

Support Specialist

Ariana is a recent graduate of Texas A&M University where she received her undergraduate degree in Kinesiology and minor in business. As the adidas Campus Agent, she crafted unique ways for students to interact with the brand and increase brand exposure by aligning national campaigns with a localized corporate agenda. Her passion for fitness led her to become a Certified Personal Trainer and work as a fitness coach for D1 Sports training while she completed her undergraduate degree. For Valiant Capital, Ariana works as the Marketing Specialist where she launches social media campaigns, creates marketing materials, and implements promotion strategies.

In her free time, she enjoys crossfit, wine tasting, and traveling.

Ariana Roy

Marketing Specialist
Houston, TX

Scott is currently pursuing his degree in economics with a minor in business from the University of Texas at Austin. Scott’s previous undergraduate internship with Ascendant Industries developed his passion for finance. He began working with Valiant to further his knowledge of financial/credit analysis. Scott enjoys helping clients in order to see their businesses thrive.


Apart from work, Scott is passionate about soccer, Houston sports teams, and being outdoors.

Scott Marker

Commercial Underwriter
Houston, TX

Mario began his career in retail management working for a Fortune 500 company. Since 2009, he transitioned into entrepreneur-ship within the financial services industry. With over 11 years of business development as an entrepreneur, his primary goal is to add value to all his business relationships by connecting their financial needs to Valiant’s strong financial support network.

Most importantly he values his family of four children and his wife of 11 years.

Mario Cavazos

McAllen, TX

Matt joined Valiant Capital after more than 30 years in business. He loves the idea of helping small business owners find the best funding possible to improve or expand their business. He began his career as a golf instructor, working with nationally recognized professionals such as Jackie Burke Jr. and Jim Hardy. He served as Head Golf Professional at Raveneaux Country Club and was the first General Manager at Black Horse Golf Club. He founded The Matt Swanson School of Golf at Wildcat Golf Club in 2001, the Swanson Golf Center and Swanny’s Grill in Northwest Houston in 2009. He brings with him extensive experience as an entrepreneur and small businessman. This gives him a unique perspective as he helps fellow business owners obtain funding for their projects. Matt completed his education at the University of Houston- Downtown, graduating with a Bachelor of Business Administration.

His favorite hobby is to watch his daughter compete in college and amateur golf.

Matt Swanson

Houston, TX
832.802.2277 ext.907

Rick is a graduate of Texas A&M University, where he received a Bachelor’s Degree in engineering. After graduation, Rick launched his career in Houston by specializing in land development for over 10 years and worked on various projects such as subdivisions, retail centers, and apartment communities. Rick is a Licensed Professional Engineer with over 5 years of experience providing tax incentives for commercial properties and over 20 years of experience in the construction industry including land development, subsea construction, and certifying commercial buildings for energy efficiency across the nation. Not the “typical engineer”, Rick has the innate ability to bring people together and make connections.

During his spare time he enjoys spending time in his hometown of Austin with family and friends, being on the water, playing & watching sports, and volunteering with the Houston Rodeo.

Rick Alejo

Senior Partner
Houston, TX

Jesus Cazares is a Houston native with over 25 years of experience in the finance industry. Throughout his experience with commercial real estate, cash-flow management, and financial analysis, his primary goal is help clients overcome challenges with managing their business growth and sustainability. With experience as a small business owner, Jesus understands the challenges with raising capital, he enjoys finding capital solutions that meet his clients needs. Outside of work Jesus enjoys spending time with his wife of 20 years and his three wonderful kids.

Jesus Cazares

Senior Partner
Houston, TX

Mr. Abney joined Valiant Capital in April 2020 as a Senior Partner, where he focuses on building relationships with various companies through sourcing, structuring, and executing capital raises and strategic advisory engagements. Prior to joining Valiant, Mr. Abney held various senior management positions over the past six years with a large, international oil field services company. Mr. Abney began his career as an Investment Banker in Canaccord Genuity & #39;s Energy practice that served all sectors of the oil and gas industry. Mr. Abney brings over ten years of industry and banking experience covering private and public equity, debt issuances, mergers and acquisitions, fairness opinions, and restructurings and workouts. During his career,Mr. Abney has been involved in over 35 strategic corporate transactions, including approximately $4.4 billion of various capital raises. Mr. Abney holds a Bachelor of BusinessAdministration degree in Finance from the University of St. Thomas in Houston, TX.

Ryan Abney

Senior Partner
Houston, TX
832.802.2277 ext. 908

Loan Trinh, a native Houstonian, learned a strong work ethic at an early age. Her banking career consisted of working for Amegy Bank for 11 years in Wealth Management. Prior to Amegy she also worked for JP Morgan Chase Bank and Comerica Bank. In addition, she was a graduate of a competitive formal credit underwriting program. Her most recent role in Banking was Vice President and Private Banking Team Leader. Her role consisted of delivering Private Wealth Services and managing a portfolio in excess of $200 million dollars in loans and deposits. She’s passionate about business development, networking, and community involvement.

Loan earned a Bachelor’s degree in Business Management with a minor in accounting. She is currently licensed in real estate in Texas and Florida. She was an active member of the Houston community; She volunteered at non-profit organizations such as Ronald McDonald House, Junior Achievement, and Kipp Schools. She was a member of Commercial Real Estate Women in Houston and Asian Chamber of Commerce. She was the Chairwoman for the annual auction fundraiser at Cornerstone Academy and Co-Chair for CREW Golf Tourney fundraiser. Loan currently resides in Naples, Florida with her son.

During her free time, Loan enjoys outdoor activities, such as fishing, paddle boarding, and traveling.

Loan Trinh

Senior Partner
Naples, FL

Shawn began his career in the financial industry in 2007, specializing in merchant processing. As active President of Transglobal Payment Systems, since 2015, Shawn is results and community driven.Shawn joined Valiant Capital in 2017 and currently hold the position of Senior Partner with the firm.He enjoys building relationships with commercial clients in various market segments and specializes in CRE, hospitality, SBA, and Asset Based Lending. Shawn enjoys spending his time with his lovely new bride and daughter as well as, giving back to the community.

Shawn Bombaywala

Senior Partner
Houston, TX
832.802.2277 ext.901 shawn@valiant-capital.com

Eddie has over 15 years of Banking experience working at both BBVA and Bank of Texas. Throughout his time in the financial industry, he has held key positions as Portfolio Manager, Branch Manager. Licensed Financial Advisor, and Commercial Lender. This combined with his background as a Licensed Real Estate agent, perfectly positioned him to begin his journey with Valiant as a Managing Partner since 2018. He enjoys helping clients find the necessary financial support that best suits their needs to insure their success.

In his free time, he volunteers as a youth leader for his church and coaches Little League baseball for his son.

Eddie Guajardo

Managing Partner Houston, TX 832.802.227 ext. 904

As co-founder and Managing Director, Lou Gonzalez leads Valiant Capital and oversees all operations and corporate strategies. Prior to Valiant Capital, He started his banking career in 2002 and gained his experience with Bank One, JPMorgan Chase, BBVA USA, and Comerica Bank, with a dedicated focus in SME, Commercial and International Finance.

Throughout his career, he has received numerous awards for customer dedication, production, and leadership. Mr. Gonzalez holds a Bachelor’s degree in Business Finance and has received the President’s Student Service Award by George W. Bush

His passions outside of work include, spending time with his wife and two kids, traveling abroad, snowboarding, and scuba diving.

Lou Gonzalez

Austin, TX Managing Director 346.444.0440 lou@valiant-capital.com