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Home › Annapolis, MD
Commercial real estate in Annapolis, Maryland moves fast — and your financing needs to keep up. Commercial Loans of Texas is a direct lender with over 25 years of experience funding commercial mortgage deals that banks turn away. We work with investors, business owners, and developers across Maryland who need fast approvals, flexible terms, and a lender who actually picks up the phone.
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 Annapolis and Maryland.
For borrowers with strong financials, our conventional commercial mortgage program offers competitive rates on office, retail, multifamily, industrial, and mixed-use properties across Annapolis, Maryland.
Lock in your rate for the long haul. Our 30-year fixed commercial program gives Annapolis property owners stable, predictable payments and the benefits of a long amortization — maximizing cash flow.
When your Annapolis 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 Annapolis and all of Maryland. Our loan officers understand Maryland commercial real estate markets and can structure loans for multifamily, retail, office, industrial, mixed-use, and special-purpose properties throughout Annapolis and the surrounding region. While headquartered in Texas, we are licensed to fund commercial loans across Maryland with the same speed and flexibility our Texas clients depend on.
What we look at when underwriting a deal here
Maryland commercial real estate is driven by federal government and contractor demand throughout the Washington suburbs, the Baltimore port and industrial base, biotechnology and life sciences along the I-270 corridor, and healthcare and university employment statewide.
Maryland taxes rental and business income and adds county-level income taxes on top. State and county transfer and recordation taxes are substantial and materially affect both acquisition and disposition economics.
Maryland foreclosure runs through a court-supervised process. Transfer and recordation costs are high enough that they should be modeled explicitly on both ends of a hold, not treated as a rounding error.
General information about the Maryland market, not legal or tax advice. Confirm specifics with your own counsel and accountant before closing.
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Mon–Fri 8 AM–6 PM CT | Annapolis, Maryland | Direct Lender Since 1998
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