Commercial Real Estate Loans in Port Arthur, Texas
Port Arthur sits at the heart of the Golden Triangle — one of the most active petrochemical and industrial corridors in the United States. Commercial real estate here tends to be deeply tied to the energy sector, but retail, multifamily, and service properties all see steady demand driven by the workforce that supports Valero, TotalEnergies, and the Port of Port Arthur.
Commercial Loans of Texas is a direct lender offering purchase, refinance, and cash-out financing on commercial properties throughout Jefferson County and the surrounding area. We don’t broker your file to five banks and wait — we make credit decisions in-house and fund deals that regional banks routinely decline.
Loan Programs Available in Port Arthur
- Stated Income / No-Doc Loans — No tax returns required. Based on property income or bank statements. Ideal for self-employed borrowers and investors with complex returns.
- Hard Money Bridge Loans — Close in 5–10 business days. Purchase, rehab, or cash-out on properties in any condition.
- DSCR Loans — Qualify on property cash flow alone. No personal income verification for investment properties.
- Long-Term Commercial Mortgages — 20–30 year amortization, 5/10 year fixed or floating rate. Stabilized properties preferred but value-add considered.
Property Types We Finance
We lend on retail strip centers, industrial warehouses, storage facilities, office buildings, apartment complexes, mobile home parks, mixed-use, and owner-occupied commercial real estate throughout Port Arthur, Beaumont, Orange, Groves, and Port Neches.
Current Rate Ranges (as of 2026)
| Program | Rate | Max LTV | Min Loan |
|---|---|---|---|
| Stated Income Bridge | 9.5%–12% | 70% | $150K |
| DSCR Long-Term | 7.5%–9.5% | 75% | $200K |
| Hard Money | 10%–13% | 65% | $100K |
| SBA 504 Equivalent | 6.5%–8% | 90% | $500K |
Why Port Arthur Borrowers Choose Us
We understand the Golden Triangle market. Industrial properties, workforce housing, and service commercial all carry unique underwriting considerations that national lenders get wrong. We’ve financed deals in Jefferson County that conventional banks declined — and we closed them in weeks, not months.
Call us at (936) 609-4398 or apply online for a same-day quote.