Commercial Cash-Out Refinance Texas
No Tax Returns — All Credit Welcome — Fast Close
Own commercial property or land with equity? Pull cash out without income verification.
Some programs offer rates below bank rates with terms up to 30 years. Our hard money programs approve on the asset alone — no tax returns, no credit check required.
Pull Cash Out Fast — Without Income Docs or a Good Credit Score
Banks want 2 years of returns, clean credit, and 6 months of underwriting. If you have equity in a commercial property, we can move faster than that.
📄 No Tax Returns
No income verification. No W-2s. Approval based on the property's value and your equity — not your financial history.
💳 All Credit Welcome
500 or 800 — we work with all credit profiles. If you have equity in the property, your credit score isn't the deciding factor.
⚡ Same-Day LOI
Tell us about your property and we'll issue a letter of intent the same day. No weeks of back-and-forth.
🏗 Land Qualifies
Raw land, commercial lots, and undeveloped parcels. Most lenders won't cash out on land. We will.
💰 No Upfront Fees
No application fee. No processing fee before closing. Nothing out of pocket to get started.
📐 Up to 80% LTV
Borrow up to 80% of current appraised value regardless of original purchase price or remaining balance.
📈 Beat the Bank — Rate & Term
Some programs offer interest rates lower than many banks — AND terms up to 30 years fully amortized. Better rate, longer term, no balloon payment.
Property Types We Cash Out
Every property type below qualifies — no income docs required on most programs.
Office & Retail
Strip malls, office buildings, storefronts, and mixed-use with commercial ground floor.
Multifamily
5+ units, apartment complexes. Qualify on the rental income of the property — not your personal income.
Industrial & Warehouse
Manufacturing, flex space, cold storage, distribution. All Texas counties.
Self-Storage
Strong collateral. Approve on revenue, not personal income. No tax returns.
Commercial Land
Raw land, lots, and undeveloped commercial parcels. Pull equity without selling. Most lenders won't do this — we do.
Mixed-Use & Other
Complex or hard-to-classify properties welcome. We work with what banks turn away.
Ready to pull equity out of your property?
Same-day LOI — no upfront fees — no tax returns.
Who This Is For
If any of these sound like you, call us today.
Self-employed with commercial equity — income looks too low on paper for bank approval
Any credit score — 500 or 800+, we approve on the asset and the equity, not the number
Own commercial land with equity — most lenders won't cash out on land, we will
Need cash fast — your deal won't wait 60–90 days for a bank to underwrite
Business owner who needs capital without a traditional business loan
Broker with a client who has commercial equity and can't get bank approval — we pay referral fees
Common Questions
Answers to what most borrowers ask before calling.
How much can I borrow?
Most programs allow up to 80% LTV. If your property is worth $2M and you owe $800K, you can borrow up to $1.6M — pocketing up to $800K after payoff. We'll run your exact numbers for free.
Do I need good credit?
We work with all credit profiles — 500 to 800+. Our programs approve on property value and equity. Whether your credit is excellent or you've had past issues, call us and let's look at the asset.
Do I need to show income or tax returns?
Not on most programs. DSCR loans qualify on the property's cash flow. Stated income programs require no verification at all. We look at what you own, not what your returns say you earn.
How fast does it close?
Same-day LOI. Closings typically run 2–4 weeks — far faster than the 60–90 days a bank takes. If speed matters, call us first.
Searching for a commercial cash-out refinance near me?
Yes — we're a Texas direct lender serving commercial property owners statewide since 1998. Houston, Dallas, San Antonio, Austin, and every county. No brokers, no middlemen. If you need a commercial cash-out near you with no tax return, bad credit OK, or on commercial land, call us for a same-day LOI — no upfront fees.
Get Your Cash-Out LOI Today
Tell us about your property — same-day letter of intent, no upfront fees.
No tax returns. All credit welcome. Direct lender since 1998.