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Home › Bangor, ME
Banks in Bangor 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 Maine 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 Bangor and Maine.
For borrowers with strong financials, our conventional commercial mortgage program offers competitive rates on office, retail, multifamily, industrial, and mixed-use properties across Bangor, Maine.
Lock in your rate for the long haul. Our 30-year fixed commercial program gives Bangor property owners stable, predictable payments and the benefits of a long amortization — maximizing cash flow.
When your Bangor 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 Bangor and all of Maine. Our loan officers understand Maine commercial real estate markets and can structure loans for multifamily, retail, office, industrial, mixed-use, and special-purpose properties throughout Bangor and the surrounding region. While headquartered in Texas, we are licensed to fund commercial loans across Maine with the same speed and flexibility our Texas clients depend on.
What we look at when underwriting a deal here
Maine commercial property centers on greater Portland — office, medical, and a growing food and beverage sector — alongside coastal hospitality and short-term rental demand, forest products and paper, and boatbuilding and marine trades along the coast.
Maine taxes rental and business income at graduated rates, and municipal property taxes vary widely from town to town, so a single statewide assumption will misprice a Maine deal.
Maine is a judicial foreclosure state. Seasonality is a real underwriting factor: hospitality and coastal retail income here is concentrated in a short season, and debt service coverage should be tested against the off-season.
General information about the Maine 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 | Bangor, Maine | Direct Lender Since 1998
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