Harlingen, Texas sits at the geographic center of the Rio Grande Valley — the fastest-growing region in Texas. Located in Cameron County at the intersection of US-77 and US-83, Harlingen serves as a major retail, healthcare, and logistics hub for the lower RGV. Commercial Loans of Texas has been funding commercial deals in the Rio Grande Valley since 1998.
Commercial Loan Programs in Harlingen, TX
- Hard Money Loans — Close in 5–10 days. No income verification. Up to 70% LTV. Cross-border investment activity makes fast closings essential.
- DSCR Loans — Qualify on property income. Retail and industrial in Harlingen have consistent occupancy driven by RGV regional trade and cross-border commerce.
- Stated Income Commercial Loans — South Texas business owners with seasonal or cross-border income that’s hard to document conventionally.
- SBA 7(a) and 504 — Owner-occupied commercial in Harlingen qualifies. Low down payment, long terms.
- Foreign National Commercial Loans — Mexican nationals investing in the RGV are a significant part of the market. We have programs designed for cross-border buyers.
- Bridge Loans — Short-term capital for repositioning in this fast-growing market.
Harlingen’s Commercial Market
Harlingen’s Valley International Airport, Harlingen Medical Center (a HCA facility), and its position at the crossroads of US-77 and US-83 make it a genuine logistics and healthcare hub. Retail along Expressway 77/83 serves the dense RGV population. Cross-border shopping traffic from Mexico adds significant retail demand. The RGV Foreign Trade Zone status attracts light manufacturing and distribution users. For commercial investors, Harlingen offers a market growing faster than most Texas metros at substantially lower price points.
Get a Harlingen Commercial Loan Quote
Call 877-895-3634 or apply online. Same-day response. Direct lender since 1998. Foreign nationals welcome.