Commercial Loans Waco TX
No Tax Returns — All Credit — DSCR & Hard Money
Waco’s direct commercial lender since 1998 — Downtown, Hewitt, Woodway, Bellmead, McGregor, and the I-35 commercial corridor.
Waco has seen rapid commercial growth along the I-35 corridor, driven by tourism, Baylor University, and spillover from Austin and DFW. Deals here often need to move faster than banks allow.
DSCR loans qualify on property income alone — no personal tax returns. Hard money approves on the asset with no credit minimum. Some programs offer rates below bank rates with terms up to 30 years.
Commercial Lending in Waco — Where Banks Fall Short, We Close
Retail, multifamily, and I-35 corridor commercial all qualify. DSCR on income-producing, hard money on asset value.
📄 DSCR — No Personal Tax Returns
Qualify on the property’s rental income — not your personal returns. Multifamily, retail, office, industrial — if the rent covers the payment, you qualify.
📄 Hard Money — Asset-Based Approval
No income verification, no credit minimum. Approval based on property value and equity. Acquisitions, bridge, and value-add deals.
💳 All Credit Welcome
500 or 800+ — bad credit, past bankruptcy, foreclosure. Property value and equity drive approval on most programs.
⚡ Same-Day LOI
Letter of intent issued the same day you call. No weeks of bank committee underwriting before you know where you stand.
🌐 Foreign Nationals Welcome
Non-US citizens and international investors. Asset-based approval — no US credit history or tax returns required.
💰 No Upfront Fees
No application fee. No processing fee before closing. Nothing out of pocket to get a quote or LOI.
📈 Beat the Bank — Rate & Term
Some programs offer rates lower than many banks AND terms up to 30 years fully amortized. Better rate, longer term, no balloon.
Loan Programs We Close in Waco
Every program below closes right here in Texas. Direct lender, no middlemen, all McLennan County locations.
Multifamily & Apartment Loans
5+ units to apartment complexes. DSCR qualification on rental income — no personal returns required.
Retail & Office
Strip centers, storefronts, and office buildings. Qualify on lease income. No income docs on DSCR programs.
Industrial & Warehouse
Flex space, warehouse, and industrial commercial throughout McLennan County. All credit, fast close.
Hard Money & Bridge Loans
Short-term asset-based financing for acquisitions, value-add, and time-sensitive deals. 6–24 month terms.
Cash-Out Refinance
Pull equity from commercial property you own. No seasoning, no income docs on most programs. Land qualifies.
Land & Construction
Raw land loans and ground-up construction. No tax returns. Banks won’t do land — we will.
Ready to close your Waco deal?
Same-day LOI — no upfront fees — no tax returns required.
Who This Is For
If any of these describe your situation, call us today.
Own income-producing property in Waco and can’t bank-qualify because income looks low on paper
Investor who wants to qualify on rental income, not personal tax returns
Any credit score — past bankruptcy or foreclosure — asset and equity drive approval
Foreign national or international investor buying or refinancing commercial property in Waco
Need to close fast — your deal won’t wait 60–90 days for bank underwriting
Broker with a Waco client who needs commercial financing — we pay referral fees
Common Questions
What Waco borrowers ask before calling.
Searching for a commercial loan near me in Waco?
Yes — we’ve been funding commercial deals in Waco, Hewitt, Woodway, Bellmead, McGregor, and all McLennan County. since 1998. No tax returns required, bad credit OK, foreign nationals welcome. Same-day LOI, no upfront fees. Call us and we’ll tell you if your deal qualifies today.
Do I need tax returns or good credit?
No on both. DSCR loans qualify on the property’s rental income — no personal returns required. Hard money programs have no credit minimum — approval is on the asset and equity. Past bankruptcy, foreclosure, or low FICO does not automatically disqualify you.
Do you lend to foreign nationals in Waco?
Yes. International investors and non-US citizens qualify on our asset-based programs. No US credit history or US tax returns required. Call us and we’ll walk through which programs fit your situation.
How fast can you close?
Same-day LOI. Closings typically run 2–4 weeks — far faster than the 60–90 days a bank takes. Hard money bridge loans can close faster. If your deal has a deadline, call us first.
Get Your Waco Loan LOI Today
Tell us about your property — same-day letter of intent, no upfront fees.
No tax returns. All credit welcome. DSCR and hard money programs available.