Georgia has transformed into one of the South’s premier commercial real estate markets. Atlanta’s status as a major corporate headquarters city drives consistent office, industrial, and multifamily demand, while the Savannah port expansion has made coastal Georgia a logistics powerhouse. The film industry’s growth has created unusual demand for studio and flex space in the metro Atlanta area.
Commercial Loans of Texas is a direct lender headquartered in Magnolia, TX, serving Georgia and 43 other states nationwide. We make our own credit decisions — no broker, no middleman, no surprises at closing. Our borrowers in Georgia typically close in 5–15 business days.
Commercial Loan Programs Available in Georgia
We offer every major commercial loan program in Georgia, from fast hard money loans to long-term 30-year fixed financing. Most programs require no tax returns and no upfront fees.
- Hard Money Loans — Asset-based lending up to 70% LTV. No income docs. Close in 5–10 business days. Ideal for acquisitions, fix-and-flip, and value-add commercial properties in Georgia.
- DSCR Loans — Qualify on the property’s rental income, not your W-2 or tax returns. Great for investment properties and landlords across Georgia.
- Stated Income Commercial Loans — No tax returns required on most programs. Built for self-employed borrowers, business owners, and investors in Georgia.
- SBA 7(a) and SBA 504 Loans — Government-backed financing for owner-occupied commercial real estate and business acquisitions. Available statewide in Georgia.
- Bridge Loans — Short-term capital to close quickly while permanent financing is arranged. Common in competitive Georgia markets.
- Construction Loans — Ground-up construction and major renovation financing for commercial projects throughout Georgia.
- Multifamily Loans — 5+ unit apartment financing with competitive rates, available in every market in Georgia.
- 30-Year Fixed Commercial Loans — Long-term, fixed-rate commercial financing for stabilized investment properties.
Property Types We Finance in Georgia
- Office buildings and medical office
- Retail strip centers and single-tenant NNN properties
- Industrial, warehouse, and flex space
- Multifamily (5+ units) and mixed-use buildings
- Self-storage facilities
- Hotels, motels, and short-term rental properties
- Church and faith-based properties
- Special use and non-warrantable properties
- Land and ground-up development
Loan Terms for Georgia Borrowers
| Feature | Details |
|---|---|
| Loan Amounts | $150,000 – $5,000,000+ |
| Max LTV | Up to 70–75% depending on program |
| Loan Term | 12 months to 30 years |
| Income Docs | None required on most programs |
| Min Credit Score | 600+ (some programs lower) |
| Closing Time | 5–15 business days typical |
| Upfront Fees | None |
| States | 43 states including Georgia |
Cities We Serve in Georgia
We lend on commercial properties throughout Georgia, including Atlanta, Savannah, Augusta, Columbus, Macon. If the property is in Georgia — urban, suburban, or rural — we can structure a loan for it. Contact us for a same-day quote regardless of location within the state.
Why Georgia Borrowers Choose Us Over Local Banks
Local banks in Georgia are often slow, require mountains of documentation, and reject borrowers who don’t fit a narrow qualification box. We work differently.
- Direct lender since 1998 — We fund our own loans. No brokers, no referral fees passed to you, no committee approval delays.
- Same-day response — Submit your deal and hear back from a decision maker within hours, not days or weeks.
- No upfront fees — We never charge application fees, processing fees, or due diligence fees before closing.
- No tax returns on most programs — We qualify based on the asset and its income, not your personal tax history.
- Fast closings — Most Georgia commercial loans close in 5–15 business days from application to funding.
- Common-sense underwriting — We look at the deal, not just the borrower’s credit file. If the property makes sense, we find a way to fund it.
Frequently Asked Questions — Commercial Loans in Georgia
Do I need a Georgia business entity to get a commercial loan?
No. You can borrow as an individual, LLC, corporation, or partnership. Most investors use an LLC for liability protection, but it is not required to qualify. We lend to all entity types in Georgia.
How fast can you close a commercial loan in Georgia?
Most Georgia commercial loans close in 5–15 business days from application to funding, depending on the program and how quickly the appraisal is completed. Hard money loans can sometimes close in as little as 5 business days. We provide a same-day term sheet so you know exactly where you stand.
What Commercial Loans Are Most Used in Georgia?
DSCR loans are popular throughout Georgia for multifamily and mixed-use investment properties. Hard money and bridge loans are heavily used in Atlanta’s fast-moving market where conventional lenders can’t close fast enough. SBA loans are common for Georgia’s thriving restaurant, hospitality, and retail sectors.
What is the minimum loan amount for commercial loans in Georgia?
Our minimum loan amount is $150,000 for commercial properties in Georgia. There is no maximum — we have closed loans well above $5 million. For deals under $150,000, we can sometimes make exceptions depending on the property type and location.
Ready to get a commercial loan in Georgia? Apply online here or call us at 877-895-3634. Same-day response, no credit pull, no upfront fees. We have been closing commercial loans since 1998 and we know how to get difficult deals done.
Commercial Loans by City in Georgia
We lend in every market in Georgia. Here is an overview of our activity in the state’s major commercial real estate markets.
Commercial Loans in Atlanta, Georgia
Atlanta is the dominant commercial real estate market in the Southeast, home to major corporate headquarters and one of the world’s busiest airports. Multifamily, industrial, and office demand are all exceptionally strong. Hard money and bridge loans are heavily used in Atlanta’s fast-moving competitive market.
Commercial Loans in Savannah, Georgia
Savannah’s port expansion has transformed it into one of the East Coast’s most important logistics hubs, driving enormous demand for industrial and warehouse properties. The historic downtown supports strong hospitality and retail investment. DSCR and hard money loans are popular for Savannah’s growing investor community.
Commercial Loans in Augusta, Georgia
Augusta is home to the Masters Tournament and a growing cybersecurity and defense sector anchored by Fort Gordon. Commercial demand is concentrated in healthcare, government-adjacent office, and retail. SBA loans are common for Augusta’s small business and professional services community.
Commercial Loans in Columbus, Georgia
Columbus is Ohio’s commercial powerhouse and one of the Midwest’s fastest-growing markets, driven by a diverse economy spanning tech, healthcare, retail, and logistics. Multifamily demand is particularly strong with some of the tightest vacancy rates in the country. DSCR loans are widely used by Columbus’s enormous investment property owner community.
Commercial Loans in Macon, Georgia
Macon offers some of the most affordable commercial real estate entry points in Georgia, with strong cap rates for value-add multifamily investors. The city’s central location and improving downtown make it an increasingly attractive target for out-of-state investors. Hard money loans are popular for Macon’s fix-and-flip and value-add commercial market.