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Banks in Auburn 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 Alabama 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 Auburn and Alabama.
For borrowers with strong financials, our conventional commercial mortgage program offers competitive rates on office, retail, multifamily, industrial, and mixed-use properties across Auburn, Alabama.
Lock in your rate for the long haul. Our 30-year fixed commercial program gives Auburn property owners stable, predictable payments and the benefits of a long amortization — maximizing cash flow.
When your Auburn 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 Auburn and all of Alabama. Our loan officers understand Alabama commercial real estate markets and can structure loans for multifamily, retail, office, industrial, mixed-use, and special-purpose properties throughout Auburn and the surrounding region. While headquartered in Texas, we are licensed to fund commercial loans across Alabama with the same speed and flexibility our Texas clients depend on.
What we look at when underwriting a deal here
Alabama commercial property is anchored by the Birmingham medical and banking corridor, the Huntsville aerospace and defense cluster around Redstone Arsenal, and Gulf Coast logistics running through the Port of Mobile. Automotive assembly across the central part of the state supports a deep industrial and flex-warehouse base.
Alabama levies a state income tax on rental and business income, though its property tax burden is among the lowest in the country — a combination that tends to favor long-hold commercial ownership.
Alabama is generally a non-judicial foreclosure state, so lenders can move on a defaulted commercial mortgage faster than in judicial states. That shortens a lender's risk window and is one reason terms here can be more flexible.
General information about the Alabama 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 | Auburn, Alabama | Direct Lender Since 1998
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