Nacogdoches, Texas — one of the oldest cities in Texas — is the commercial center of Deep East Texas. Home to Stephen F. Austin State University (enrollment 12,000+) and a regional healthcare hub, Nacogdoches serves a broad multi-county trade area in the Piney Woods region. Commercial Loans of Texas has been funding commercial deals in Nacogdoches County since 1998.
Commercial Loan Programs in Nacogdoches, TX
- Hard Money Loans — Close in 5–10 days. No income verification. Up to 65–70% LTV. East Texas properties often require speed when estate sales and investment opportunities arise.
- DSCR Loans — Qualify on property income. Medical office near Nacogdoches Medical Center and retail in the US-59 corridor have solid occupancy driven by the university and healthcare base.
- Stated Income Commercial Loans — Small business owners and investors with complex income documentation common in East Texas markets.
- SBA 7(a) and 504 — Owner-occupied commercial qualifies. Strong fit for Nacogdoches businesses serving the university and regional population.
- Student Housing Loans — Near-campus multifamily for SFA student housing. See our student housing page.
- Bridge Loans — Short-term capital for commercial repositioning in this market.
Nacogdoches’s Commercial Market
Stephen F. Austin State University anchors consistent student housing and retail demand. Nacogdoches Medical Center and the regional hospital system are major employers supporting medical office demand. The US-59 commercial corridor serves as the retail spine for a wide trade area stretching into surrounding counties. Cap rates in Nacogdoches are significantly higher than Houston or DFW, making it attractive for yield-focused investors willing to operate in secondary markets.
Get a Nacogdoches Commercial Loan Quote
Call 877-895-3634 or apply online. Same-day response. Direct lender since 1998.