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Home › Birmingham, AL
Whether you are purchasing an investment property, refinancing a commercial building, or expanding your business in Birmingham, Alabama, you need a commercial mortgage lender who can move quickly and say yes when others say no. Commercial Loans of Texas has funded millions in commercial loans across Alabama since 1998 — with no upfront fees and decisions in as little as 48 hours.
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 Birmingham 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 Birmingham, Alabama.
Lock in your rate for the long haul. Our 30-year fixed commercial program gives Birmingham property owners stable, predictable payments and the benefits of a long amortization — maximizing cash flow.
When your Birmingham 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 Birmingham 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 Birmingham and the surrounding region. While headquartered in Texas, we 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.
No upfront fees • No obligation • Decision in 48 hours
Mon–Thu 9–5 · Fri 9–12 CT | Birmingham, Alabama | Direct Lender Since 1998
We’ll email you our one-page Executive Loan Summary — fill it in online in about 2 minutes, or send the PDF back. Either way you’ll have written terms the same business day.
✓ One page • No credit pull • No upfront fees
or talk to a decision-maker right now
📞 877-895-3634 Mon–Thu 9–5 · Fri 9–12 CTNo SSN • No upfront fees • No obligation either way
Or skip the email and fill it in online now — about 2 minutes.
We’ll have written terms to you the same business day.
Need it sooner? Call 877-895-3634.