Commercial Loan Document Checklist — Texas 2026
The documents required depend heavily on the loan type. Here’s the complete breakdown so you can prepare before applying.
Hard Money / Bridge Loan (Fastest — Fewest Docs)
- Purchase contract or property information
- Property photos (exterior, interior, condition)
- Most recent mortgage statement (if refinancing)
- Entity docs (LLC operating agreement or articles)
- Proof of insurance
- Bank statements — 2 months (shows you can cover payments)
Stated Income / DSCR Loan
- Everything above, plus:
- Current rent roll or leases
- 3–6 months bank statements (verify income)
- Schedule of Real Estate Owned (SREO)
SBA / Conventional (Full Doc)
- 2 years personal tax returns
- 2 years business tax returns
- YTD P&L and balance sheet
- Business bank statements — 12 months
- Business plan (SBA startup)
- Existing leases
- Personal financial statement
Pro Tips to Close Faster
Have everything in a single folder on day one. Clean rent rolls beat verbal estimates — lenders verify. Entity docs must show who can sign. For LLCs, have the operating agreement and EIN letter ready.
Start your application — we’ll tell you exactly what we need for your deal.