Commercial Bank/Lenders in TX - Interest Swap rate loans?

[Rick R.]

Hi

Does anyone have Commercial Lender/Bank referrals in TX who offer Interest Swap rate loans for a Retail/Office building? These loans offer lower than interest rates but have pre-payment penalties if loan is paid off or refinanced before the loan term ends.  I heard the current interest swap rates are < 6% for 5-year term loans.

Any downside other than pre-payment penalties on these loans?

Thank you