The commercial lending landscape is shifting in 2026 — and for Texas borrowers who don’t fit the traditional bank mold, that’s actually good news. Three programs in our small-balance commercial portfolio are seeing strong demand right now, and for good reason. Here’s what’s available for deals between $100,000 and $2,500,000.
1. Alternative Multifamily Financing — When Agency Programs Fall Short
Agency guidelines have tightened, and that’s pushing more multifamily deals to alternative lenders. Our alternative multifamily program is built for exactly this environment.
- Loan sizes starting at $100,000 — we go where agency and most banks won’t
- No personal tax returns required — available on purchases and Lite/No Doc solutions
- Rate flexibility — choose a fixed rate or a hybrid ARM depending on your hold strategy
If you’ve had a multifamily deal fall out of an agency program recently, this is worth a conversation. The deal that doesn’t qualify at the bank may close here.
2. Owner-Occupied Bank Statement Program — The SBA Alternative
This is the most unique solution in our small-balance commercial portfolio, and one of the least understood. Most commercial loan decisions are built around personal tax returns and personal creditworthiness. This program flips that model.
Qualification is based primarily on business cash flow — not personal income, not personal credit score. For business owners who write off a lot, have complex returns, or who’ve been turned down by the SBA in 2026, this program often closes deals that had nowhere else to go.
Ideal for:
- Business owners who occupy 51%+ of their commercial property
- SBA fallout — deals declined or stalled in SBA underwriting
- Borrowers with strong cash flow but messy personal returns
3. No Doc Streamline Program — Real Flexibility, Reliable Closing
Sometimes the right answer for your borrower isn’t the lowest rate — it’s the loan that actually closes. Our No Doc program is built for that borrower.
What’s not required:
- No tax returns
- No bank statements
- No operating statements
That’s a true no-doc solution — not a “lite doc” program with a different name. For investors, self-employed borrowers, and anyone who values certainty over squeezing out a quarter point, this program consistently delivers.
Is Your Deal a Fit?
All three programs cover loans from $100,000 to $2,500,000 on commercial properties in Texas. If you have a deal that’s fallen out of conventional or SBA underwriting — or a borrower who can’t document income the traditional way — one of these solutions is likely the right fit.
Call us at (877) 895-3634 or use our loan calculator to get a quick rate estimate on your scenario. We’ll tell you within minutes whether your deal works and what to expect on terms.