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Home › Cape Coral, FL
Whether you are purchasing an investment property, refinancing a commercial building, or expanding your business in Cape Coral, Florida, 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 Florida 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 Cape Coral and Florida.
For borrowers with strong financials, our conventional commercial mortgage program offers competitive rates on office, retail, multifamily, industrial, and mixed-use properties across Cape Coral, Florida.
Lock in your rate for the long haul. Our 30-year fixed commercial program gives Cape Coral property owners stable, predictable payments and the benefits of a long amortization — maximizing cash flow.
When your Cape Coral 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 Cape Coral and all of Florida. Our loan officers understand Florida commercial real estate markets and can structure loans for multifamily, retail, office, industrial, mixed-use, and special-purpose properties throughout Cape Coral and the surrounding region. While headquartered in Texas, we are licensed to fund commercial loans across Florida with the same speed and flexibility our Texas clients depend on.
What we look at when underwriting a deal here
Florida commercial real estate spans South Florida trade and international capital, Orlando hospitality and attractions, Tampa Bay office and industrial, Jacksonville port and distribution, and a statewide multifamily and retail base driven by sustained in-migration.
Florida has no state personal income tax, so rental and business income escapes state-level taxation — one of the primary reasons out-of-state investors target Florida commercial property.
Florida is a judicial foreclosure state, and property insurance is the dominant underwriting variable on nearly every Florida commercial deal. Expect insurance, not interest rate, to drive the debt service coverage calculation.
General information about the Florida 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 | Cape Coral, Florida | Direct Lender Since 1998
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📞 877-895-3634 Mon–Thu 9–5 · Fri 9–12 CTNo SSN • No upfront fees • No obligation either way