Amarillo anchors the Texas Panhandle economy with agriculture, energy, healthcare, and a growing distribution and logistics sector. Commercial real estate in Amarillo offers strong cap rates and lower entry costs than major metros — making it one of the best cash-flow markets in Texas. Commercial Loans of Texas has financed commercial properties throughout the Panhandle since 1998.
Commercial Loan Programs Available in Amarillo
- Hard Money Loans — Fast closings in 7-14 days. Up to 65% LTV. No income verification required.
- SBA 504 Loans — 10% down for owner-occupied commercial buildings. Fixed rate for 25 years. Works for agricultural businesses, manufacturers, and service companies buying their own space.
- DSCR Loans — Property income qualifies the loan — not your tax returns. Ideal for LLC borrowers.
- Bridge Loans — Short-term capital to close fast, renovate, or reposition before long-term refinancing.
- Stated Income / Bank Statement Loans — For self-employed borrowers whose write-offs reduce taxable income.
Property Types We Finance in Amarillo
- Retail strip centers along Coulter, Bell, and Soncy corridors
- Industrial and warehouse properties supporting distribution and agriculture
- Hotel and hospitality near I-40 and Amarillo Civic Center
- Office buildings in downtown Amarillo and medical district
- Multifamily and apartment properties
- Self-storage facilities — high demand in Panhandle markets
- Agricultural and agribusiness commercial real estate
Why Amarillo Makes Sense for Commercial Real Estate Investors
Amarillo’s cap rates average 7-9% on stabilized commercial properties — significantly higher than Austin, Dallas, or Houston. The Panhandle economy is built on three recession-resistant pillars: agriculture, energy, and healthcare. For investors priced out of major metros, Amarillo offers entry-level pricing with professional-grade cash flow. BSA Health System and Northwest Texas Healthcare System anchor the medical real estate market.
How to Apply
Call 877-895-3634 or apply online. Preliminary terms within 24-48 hours. No upfront fees. We serve Amarillo, Canyon, Hereford, Pampa, Borger, Plainview, and the entire Texas Panhandle.
Related Resources
- Commercial Loans in Waco and Lubbock
- Hard Money Loans Texas
- DSCR Loans for Texas Real Estate Investors
- SBA Loans in Texas