Texas Truck Parking Financing: Loans on Operating Truck Yards

Truck Parking Loans Across Texas

Texas moves more truck freight than any other state. I-35 runs from the Laredo border crossing, the busiest commercial land port in the country, through San Antonio, Austin, and Dallas Fort Worth. I-10 carries El Paso to Houston traffic, I-45 links Houston and Dallas, and I-20 feeds East Texas from the Metroplex. Every one of those corridors has more trucks than legal places to park them, and the shortage is worst inside the big metros where drivers actually live.

We are a direct private lender, not a broker, and truck parking is a property type we fund on purpose through our outdoor storage financing program. A bank sends a Texas truck yard to an appraiser, the appraiser cannot find comparable sales for a fenced gravel lot, and the file dies in committee. We underwrite from what you paid, the zoning, and the rent you can document, and one person makes the decision.

Texas Markets We Lend In

• Dallas Fort Worth: Dallas, Tarrant, Ellis, Kaufman, and Denton Counties. South Dallas and the I-20 and I-45 interchanges, Alliance in north Fort Worth, and the Ellis County corridor toward Waxahachie are where monthly truck parking lots cluster.
• Houston: Harris, Fort Bend, Montgomery, Chambers, and Brazoria Counties. Port Houston, the east side petrochemical corridor, Beltway 8, and US 290 generate constant demand from drayage and regional carriers.
• San Antonio and Austin: Bexar, Guadalupe, Comal, Travis, Hays, and Williamson Counties along I-35 and I-10, with heavy owner operator traffic between the border and the interior.
• Laredo and the border: Webb, Hidalgo, and Cameron Counties. Cross border freight means yards fill with trailers waiting on brokers, and lots inside a few miles of the bridges rent at a premium.
• El Paso: El Paso County, where I-10 and the Santa Teresa and Ysleta crossings feed a steady drayage market.

Those are the markets where we see the most deals. We lend on truck yards anywhere in Texas with legal access and by right zoning.

What Qualifies

• Monthly truck parking lots, daily and overnight yards, and mixed truck and trailer yards. Operating yards get the most leverage; start ups with by right zoning qualify at a lower loan amount, with more once the yard is cash flowing.
• Converted sites with a prior truck use: former freight terminals, trucking company yards, towing yards, and contractor yards.
• Purchases, refinances, and cash out refinances. Business purpose, entity borrower, personal guaranty.
• Truck parking permitted by right, confirmed in writing by the county or city, or a clean path to that letter as a closing condition.
• Legal access, outside the floodplain and wetlands, and a clean site history or a clean Phase I environmental report.

What We Do Not Fund

• The build itself. We fund the property purchase, not fencing, gravel, lighting, or site work.
• Yards that depend on a conditional use permit, a variance, or a grandfathered use.
• Sites in a FEMA flood zone or wetlands, or with no legal access.
• Former junkyards, fuel stops, or repair shops without a clean Phase I.
• Loans above 65% of value, for any reason.

How Texas Deals Close

Most Texas counties have no zoning authority outside city limits, so a yard on unincorporated county land often has no zoning question at all. Inside a city, or inside a city's extraterritorial jurisdiction, truck parking can be regulated tightly, and Houston in particular has ordinances aimed at yards near neighborhoods. We still want it in writing from whichever jurisdiction controls the site. Texas is a non judicial foreclosure state with deed of trust security, closings run through a title company, and title work is fast, which is part of why fast closes hold here.

We also make vacant land loans in Texas. See a funded Texas land loan for how our process runs, and read how truck parking lots get financed for the underwriting detail.