Commercial Loan Options Texas — Every Program, One Lender
Not every borrower is the same. Not every deal is the same. We offer more commercial loan options than any bank — and we approve borrowers banks decline.
No tax returns on most programs. All credit welcome. Foreign nationals OK. Direct lender since 1998.
Your Commercial Loan Options — Explained
Pick the program that matches your situation. Not sure which fits? Call us — we’ll point you in the right direction.
📄 Hard Money
Asset-based approval on the property value and equity alone.
- No credit minimum
- No income docs
- No tax returns
- Fast close
📈 DSCR Loans
Qualify on the property’s rental income — not your personal income.
- No personal tax returns
- Multifamily, retail, office
- 30-year fixed available
- All credit
💼 Stated Income
Self-employed borrowers with no documentable income.
- No income verification
- No W-2s or returns
- All property types
- Bad credit OK
⏱ Bridge Loans
Short-term financing when speed matters most.
- 6–24 month terms
- No credit check
- Same-day LOI
- All property types
🏗 Construction
Ground-up commercial construction with draw schedules.
- Land + construction in one loan
- No tax returns
- Foreign nationals OK
- All property types
🏠 Land Loans
Raw land, lots, and commercial parcels banks won’t touch.
- Up to 50% LTV
- No tax returns
- All credit
- All Texas counties
💰 Cash-Out Refinance
Pull equity from commercial property you already own.
- Up to 80% LTV
- Land qualifies
- No seasoning
- No income docs
📅 30-Year Fixed
Long-term fully amortized — no balloon, rates competitive with banks.
- DSCR qualification
- No personal returns
- No balloon payment
- All credit
Common Questions
What borrowers ask when comparing options.
Which commercial loan option is right for me?
It depends on three things: your property type, your credit profile, and how long you need the money. Hard money is fastest and most flexible but shorter-term. DSCR is best for income-producing properties with strong rental income. Stated income works when you have assets but can’t document income. Call us — we’ll match you to the right program in one conversation.
Searching for commercial loan options near me in Texas?
Yes — we’re a Texas direct lender in all 254 counties since 1998. Every program on this page closes statewide. No tax returns required on most programs, bad credit OK, foreign nationals welcome. Same-day LOI, no upfront fees.
What is the fastest option to close?
Hard money and bridge loans close fastest — same-day LOI and closings in as little as 1–2 weeks in some cases. DSCR and stated income permanent loans typically close in 2–4 weeks. All programs are faster than a bank’s 60–90 day process.
Not Sure Which Option Fits? Call Us.
Tell us about your deal — we’ll match you to the right program in one call.
Same-day LOI. No upfront fees. All credit welcome.