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Home › Champaign, IL
Commercial real estate in Champaign, Illinois 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 Illinois 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 Champaign and Illinois.
For borrowers with strong financials, our conventional commercial mortgage program offers competitive rates on office, retail, multifamily, industrial, and mixed-use properties across Champaign, Illinois.
Lock in your rate for the long haul. Our 30-year fixed commercial program gives Champaign property owners stable, predictable payments and the benefits of a long amortization — maximizing cash flow.
When your Champaign 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 Champaign and all of Illinois. Our loan officers understand Illinois commercial real estate markets and can structure loans for multifamily, retail, office, industrial, mixed-use, and special-purpose properties throughout Champaign and the surrounding region. While headquartered in Texas, we are licensed to fund commercial loans across Illinois with the same speed and flexibility our Texas clients depend on.
What we look at when underwriting a deal here
Illinois commercial real estate is defined by Chicago — a top-tier industrial and distribution market at the center of the national rail network, with a large downtown office base — surrounded by collar-county industrial and downstate agricultural and manufacturing property.
Illinois taxes rental and business income at a flat rate, and property tax burdens in Cook County and the collar counties are among the highest in the country. That expense line, not the debt, usually governs Illinois deal feasibility.
Illinois is a judicial foreclosure state with a lengthy process, and Cook County assessment appeals are a routine part of owning commercial property here. Underwrite taxes conservatively and reassessment on transfer explicitly.
General information about the Illinois 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 | Champaign, Illinois | Direct Lender Since 1998
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