Mississippi’s commercial real estate market offers some of the most affordable entry points in the country, with strong cap rates that attract out-of-state investors. The Gulf Coast casino and resort corridor creates significant hospitality and retail lending opportunities, while Jackson’s healthcare and government sectors support consistent office demand.
Commercial Loans of Texas is a direct lender headquartered in Magnolia, TX, serving Mississippi and 43 other states nationwide. We make our own credit decisions — no broker, no middleman, no surprises at closing. Our borrowers in Mississippi typically close in 5–15 business days.
Commercial Loan Programs Available in Mississippi
We offer every major commercial loan program in Mississippi, 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 Mississippi.
- DSCR Loans — Qualify on the property’s rental income, not your W-2 or tax returns. Great for investment properties and landlords across Mississippi.
- Stated Income Commercial Loans — No tax returns required on most programs. Built for self-employed borrowers, business owners, and investors in Mississippi.
- SBA 7(a) and SBA 504 Loans — Government-backed financing for owner-occupied commercial real estate and business acquisitions. Available statewide in Mississippi.
- Bridge Loans — Short-term capital to close quickly while permanent financing is arranged. Common in competitive Mississippi markets.
- Construction Loans — Ground-up construction and major renovation financing for commercial projects throughout Mississippi.
- Multifamily Loans — 5+ unit apartment financing with competitive rates, available in every market in Mississippi.
- 30-Year Fixed Commercial Loans — Long-term, fixed-rate commercial financing for stabilized investment properties.
Property Types We Finance in Mississippi
- 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 Mississippi 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 Mississippi |
Cities We Serve in Mississippi
We lend on commercial properties throughout Mississippi, including Jackson, Gulfport, Southaven, Hattiesburg, Biloxi. If the property is in Mississippi — 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 Mississippi Borrowers Choose Us Over Local Banks
Local banks in Mississippi 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 Mississippi 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 Mississippi
Do I need a Mississippi 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 Mississippi.
How fast can you close a commercial loan in Mississippi?
Most Mississippi 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 Loan Programs Work Best in Mississippi?
Hard money and stated income loans are popular in Mississippi for investors who need flexible qualification standards and fast closings. DSCR loans work well for the state’s affordable multifamily market with strong cap rates. SBA loans are used for small business owners throughout the state.
What is the minimum loan amount for commercial loans in Mississippi?
Our minimum loan amount is $150,000 for commercial properties in Mississippi. 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 Mississippi? 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 Mississippi
We lend in every market in Mississippi. Here is an overview of our activity in the state’s major commercial real estate markets.
Commercial Loans in Jackson, Mississippi
Jackson is Mississippi’s state capital and largest city, with commercial demand anchored by state government, healthcare, and a growing professional services sector. Commercial properties in Jackson offer some of the strongest cap rates in the Southeast. Hard money and DSCR loans are popular for Jackson’s value-focused investor community.
Commercial Loans in Gulfport, Mississippi
Gulfport anchors Mississippi’s Gulf Coast casino and resort corridor, creating strong demand for hospitality, retail, and multifamily properties. The proximity to Biloxi’s gaming economy drives consistent foot traffic and consumer spending. DSCR and stated income loans are popular for Gulf Coast commercial borrowers.
Commercial Loans in Southaven, Mississippi
Southaven is one of Mississippi’s key commercial markets with consistent demand for multifamily, retail, and industrial properties. We offer all commercial loan programs in Southaven with same-day responses and no upfront fees.
Commercial Loans in Hattiesburg, Mississippi
Hattiesburg is anchored by the University of Southern Mississippi and a growing healthcare sector, creating consistent multifamily and retail demand. Student-oriented rental properties offer strong returns. Bridge and DSCR loans are popular for Hattiesburg’s university-adjacent investment market.
Commercial Loans in Biloxi, Mississippi
Biloxi is one of Mississippi’s key commercial markets with consistent demand for multifamily, retail, and industrial properties. We offer all commercial loan programs in Biloxi with same-day responses and no upfront fees.