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If you got any questions, please do not hesitate to send us a message. We reply within 24 hours!
For your convenience, we can provide all information and loan processing right over the phone.
If you got any questions, please do not hesitate to send us a message. We reply within 24 hours!
For your convenience, we can provide all information and loan processing right over the phone.
We work with commercial mortgage brokers, residential agents, financial advisors, and CPAs across Texas. When your client needs a commercial loan we can close, you earn a referral fee at closing — no license required.
Paid directly to you at closing. No waiting, no invoices. We handle all paperwork.
You get a direct line to the decision-maker. Term sheet in 24–48 hours, not 2 weeks.
Your relationship stays yours. We close the deal and you stay in the loop the whole way.
Referral arrangements are available to anyone in Texas. CPAs, attorneys, agents — all welcome.
Office, retail, industrial, multifamily, mixed-use, land, hard money — we cover all of it.
You deal with the decision-maker, not a chain. We underwrite in-house, so we know immediately if we can close.
Email or call with the property address, loan amount, and what the borrower needs. Takes 2 minutes.
You get a preliminary term sheet or a clear "no" — never left wondering. No wasted client time.
We handle everything from here. You stay copied on key milestones so your client stays happy with you.
Referral fee wired at closing. Simple, clean, and no paperwork headaches on your end.
"I had a client with a $1.2M warehouse purchase that kept getting turned down by conventional lenders. Sent it to Commercial Loans of Texas on a Friday — had a term sheet Monday morning. Closed in 19 days. My client was thrilled and I had a new referral source for life."
— Commercial real estate agent, Houston TXNo obligation. We'll tell you in 24 hours if we can close it, what the rate looks like, and what your referral fee would be. Most brokers send us 3–4 deals a month once they see how fast we move.
You do not need U.S. citizenship, a green card, a Social Security number or a U.S. credit file to own commercial real estate here. Texas places no restriction on foreign ownership. We have been financing commercial property since 1998 and we lend in 43 states.
Office, retail, industrial, warehouse, mixed‑use, multifamily, land and ground‑up construction — the same programmes we write for domestic borrowers.
A valid passport identifies you. An ITIN helps but is not required on every programme. No U.S. tax returns and no U.S. credit score are needed to start a file.
Most international buyers use a U.S. LLC for liability and estate planning. We work with either structure and will tell you which the lender prefers before you form anything.
We underwrite the asset and the deal — value, income, exit — rather than a domestic credit history you have not had the chance to build yet.
Address, purchase price or value, what it earns or will earn, and your timeline. That is enough for us to say yes, no, or "here is what would change it" — usually same day.
Passport, proof of the down payment and its source, and a banking reference. Funds held outside the U.S. are normal and not a problem; we will tell you what the lender needs to see.
The loan needs a U.S. account for the wire and the monthly payment. If you do not have one yet, say so early — it is the single most common reason a foreign national closing slips.
You get the structure, the costs and the conditions on paper before you commit to anything. Rates move daily, so call for today's rate rather than trusting a number on a web page.
We've closed Texas commercial loans in as few as 7 business days. Here's exactly how the process works — and why we move faster than any bank you've tried.
Fill out our one-page application or call us directly. We need the basics: property address, purchase price or loan amount, property type, and your exit strategy (or refinance goal). No financials required at this stage.
We personally review every submission. You won't deal with a junior processor or an automated system.
We issue a non-binding term sheet with proposed loan amount, rate, LTV, and term. This is a real answer from a real decision-maker — not a "we'll get back to you" after a committee meeting.
If the deal needs structure (e.g., different LTV, IO period, partial release provisions), we discuss it now — not after you've spent $2,000 on an appraisal.
We order a third-party appraisal (or desktop BPO for smaller deals) and review property condition, title, rent rolls, and market comps. For income-producing properties, we underwrite to DSCR — not personal income.
We work in parallel with your attorney and title company. Most commercial lenders work sequentially — we don't. That's how we cut weeks off the timeline.
Once underwriting is complete, we issue a firm loan commitment letter — the binding agreement that says we will fund this loan at these terms. No more surprises at the closing table.
Conventional banks issue commitments only after 30–60 days of processing. Our commitment comes in week two — giving you time to negotiate, satisfy contingencies, or plan your rehab.
We coordinate directly with your title company to schedule closing. Funds wire the day of closing. Most of our loans close in 2–3 weeks total — some faster when the property and title are clean.
We remain your lender for the life of the loan. No loan servicing transfers. Same contact, same terms, same relationship — whether you're in month 3 or year 5.
We keep the paperwork minimal. Here's what's actually required for a standard commercial loan:
One short form. We review it today and send a term sheet within 24 hours. No commitment required.
Submit Your Deal →I've been in Texas commercial lending since the early 1990s — through the S&L crisis, the dot-com bust, 2008, COVID, and the rate spike of 2022–2023. I've seen every market cycle, and I've funded deals that banks walked away from in every single one of them.
What frustrated me about working inside large institutions was the bureaucracy. A small business owner with a great deal and real equity would get declined because of a DTI ratio calculated off a W-2 they didn't have. A real estate investor with 15 profitable rentals couldn't get loan #16 because of Fannie Mae's arbitrary 10-property cap.
I started Commercial Loans of Texas to be the lender I wished existed when I was a borrower. No committee. No 60-day wait for a "no." No junior underwriters who've never seen a real property. Just a direct decision from someone who's been doing this for three decades.
We focus exclusively on Texas because I know this market. I know what DFW cap rates look like in a correction. I know which Houston submarkets hold value. I know the Texas foreclosure process cold. That local knowledge is what lets me say yes faster and with more confidence than any out-of-state lender can.
"The most important thing in commercial lending isn't the borrower's credit score — it's the deal. A great property with strong equity and a clear exit strategy is fundable. I've said yes to borrowers with 580 credit scores on deals banks wouldn't touch, and I've said no to borrowers with 780 scores on deals that didn't make sense. The property is the collateral. That's what I underwrite."
Submit your deal and we personally review every application that comes through. No junior staff, no auto-denials. A real human decision from someone who knows Texas commercial real estate.
Submit Your Deal →Reviews
Real Google reviews, word for word, from people we have closed loans for. 4.8 out of 5 from 38 Google reviews.
“Let me just start by saying that the only reason I give him five stars is because there is no higher. Daniel Peterson is one of the most honest and transparent person I have ever dealt with. Getting me a refinance was not going be easy but right from the start he gave it his all. Just as we would hit bumps he would not give up. He would look for other ways and would always stay motivated to make it happen. Just as I thought that it wasn’t going to get done. He would pull out the rabbit from the hat, as the old saying goes, all the way to the end. If you are ever in need of a refinance or to purchase another home or anything in this field trust me you will not be disappointed with him. I truly say if he can’t do it it’s probably because it cannot be done but if he does he will find a way.”
“I would highly recommend Commercial Loans of Texas for commercial lending. My experience with Dan was top notch. Starting from consultation and application to guidance navigating the daunting underwriting process, Dan's experience and insight was invaluable to reach a successful closing. Will definitely engage again in the future.”
“I would highly recommend Dan Peterson with Commercial Loans of Texas. I am a physician in private practice, and I approached Dan about helping me to navigate the commercial loan process for a new medical office. He was proactive and very helpful during the process. His experience and knowledge made a big difference. He is amazing.”
“Dan Peterson is the best commercial lender hands down! He truly knows his stuff and makes sure that you know all of the pertinent info upfront. I've never seen a commercial loan close this fast. Amazing!! I look forward to working with him in the future for my personal deals and on deals for clients that I will be referring!”
“The Best Commercial Loan Company in Texas. "Danial Peterson !" We were running out of options, doors after door were slammed in our faces! Daniel came through for us when NO ONE ELSE WOULD! We will be eternally grateful for all Daniel and his company has done for us! Give Daniel a call and he will make your dream come True!”
“This company offers very delicate customer services, Dan Peterson is very nice and professional that he was trying to help me to get finance the property but unfortunately the property is in rural area that was not qualify the loan. Dan referred me to another company to finance the property. Thank Dan!”
“Dan Peterson secured a commercial loan for me with ease and a no b.s. approach. I had a few obstacles to overcome and a tight closing window and Dan made it happen for me. I can't say enough about Dan and his team at Commercial Loans of Texas. If in need of a commercial loan...Dan's your man.”
“Our client who was purchasing an apartment building in Montrose- was introduced to Commercial Loans of Texas. The commercial loan officer was hands-on, kept us updated in a timely fashion, was able to provide the best rate and terms available in this market.” Linda Charmaigne”
“This Is The Best Commercial Loan Company In The State Of Texas. Daniel Peterson Is Awesome 🤩 He Answer’s Every Call ☎️ And Goes Above ☝🏾 And Beyond To Maker Sure Business 👨🏽💼 Is Handled. I Highly Recommend This Company To Anyone Respectfully!!!!”
“It's been a pleasure working with a highly professional, knowledgeable and responsive loan master, Mr. Dan Peterson. He is the best. We were able to successfully close very tough deals back to back. For any loan issue, go to Dan! He is the man.”
“Worked with Dan from Commercial Loans of Texas. We had been working for two months to refinance our loan on a property owned by my LLC. I got tired of waiting for other slow institutions and decided to give Dan a call. He had me closed…”
“Daniel Peterson did a fantastic job of closing my construction loan. He made me aware of all financing options and went out of his way to investigate them. We closed on time at an interest rate that was actually slightly lower than we…”
“I have nothing but good to say of Daniel Peterson and Commercial Loans of Texas. My loan did not go through but not due to any fault of Daniel or his company. Even after several weeks I called and asked about my appraisal refund and…”
“Daniel was great to work with throughout the entire process. He answered questions quickly and the loan funded within three weeks. I would highly recommend him and look forward to working with him in the future on some new projects.”
“If you need to close a complex transaction quickly, Daniel is your guy! He won't sleep until he's able to put a solution in place to help you close your deal. Thanks for all the hard work, Daniel!”
“Dan and the team were great! The process was smooth and friendly, Texas style. I highly recommend Commercial Loans of Texas. We'll defiantly be doing business with them in the years to come.”
“Dan is Truly AMAZING. Promised he would close on a million dollar property on time and he delivered. A genius at what he does.Thanks Dan, looking forward to the next phase.”
“Dan found terms I didn't think were out there for commercial! Very satisfied and we'll definitely be using Commercial Loans of Texas again on our next conventional deal!”
“Daniel Peterson got me an amazing mortgage that no one else could do. I don’t see why I would work with anyone else. Amazing service. Thank you.”
“Dan Peterson very forthright and transparent. Gave me great guidance and really appreciate him going out of his way for my commercial loan.”
“As a former Texas Real Estate Commissioner I can tell you this group knows what it takes to get business done with prompt professionalism.”
“I strongly recommend Commercial Loans of Texas! Daniel was instrumental in the acquisition of a hard-money bridge loan in 2016.”
“We Are Thankful for Dan Peterson and the team of underwriting who have given us the monies to consolidate our debt. Thank you.”
“Got a challenging loan approved and closed. Best customer service. They get'm DONE in a timely manner. Thank you!⭐️⭐️⭐️⭐️⭐️”
“Dan Peterson was great to work with, closing my commercial loan refinance just as I needed. Thanks Dan!”
“Very helpful in understanding would recommend anybody that doesn't have the best way home”
“Every step from LOI through closing was guided with great service. "Just Right"”
“Thank you Dan Peterson. You sent me in the right direction. I appreciate…”
“great experience will do further business with Dan.”
“Great working with this company”
“Very frenly company”
We’ll email you our one-page Executive Loan Summary — fill it in online in about 2 minutes, or send the PDF back. Either way you’ll have written terms the same business day.
✓ One page • No credit pull • No upfront fees
or talk to a decision-maker right now
📞 877-895-3634 Mon–Thu 9–5 · Fri 9–12 CTNo SSN • No upfront fees • No obligation either way
Or skip the email and fill it in online now — about 2 minutes.
We’ll have written terms to you the same business day.
Need it sooner? Call 877-895-3634.