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Home › Ames, IA
Banks in Ames want perfect credit, three years of tax returns, and months of waiting. We do not. Commercial Loans of Texas is a direct commercial mortgage lender — not a broker — serving Iowa borrowers with stated income loans, conventional financing, working capital solutions, and more. If your deal makes sense, we can fund it.
Don't show enough income on your tax returns? Our stated income program uses the property's value and your assets to qualify. Perfect for self-employed borrowers and investors throughout Ames and Iowa.
For borrowers with strong financials, our conventional commercial mortgage program offers competitive rates on office, retail, multifamily, industrial, and mixed-use properties across Ames, Iowa.
Lock in your rate for the long haul. Our 30-year fixed commercial program gives Ames property owners stable, predictable payments and the benefits of a long amortization — maximizing cash flow.
When your Ames business needs capital for equipment, payroll, expansion, or inventory, our working capital loans provide fast access to funds — without the red tape of traditional bank financing.
Serving Ames and all of Iowa. Our loan officers understand Iowa commercial real estate markets and can structure loans for multifamily, retail, office, industrial, mixed-use, and special-purpose properties throughout Ames and the surrounding region. While headquartered in Texas, we are licensed to fund commercial loans across Iowa with the same speed and flexibility our Texas clients depend on.
What we look at when underwriting a deal here
Iowa commercial property rests on agriculture and food processing, insurance and financial services concentrated in Des Moines, manufacturing across the Cedar Valley and Quad Cities, and a growing data center presence drawing on the state's power and land availability.
Iowa taxes rental and business income and has been reducing its rates, while property taxes remain a significant line item that should be modeled at the county level rather than a state average.
Iowa is a judicial foreclosure state, though it offers a non-judicial alternative for certain non-agricultural property. Farm and agricultural-adjacent collateral carries additional statutory protections a commercial lender must account for.
General information about the Iowa market, not legal or tax advice. Confirm specifics with your own counsel and accountant before closing.
No upfront fees • No obligation • Decision in 48 hours
Mon–Fri 8 AM–6 PM CT | Ames, Iowa | Direct Lender Since 1998
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