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Home › Columbia, MO
Commercial real estate in Columbia, Missouri 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 Missouri 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 Columbia and Missouri.
For borrowers with strong financials, our conventional commercial mortgage program offers competitive rates on office, retail, multifamily, industrial, and mixed-use properties across Columbia, Missouri.
Lock in your rate for the long haul. Our 30-year fixed commercial program gives Columbia property owners stable, predictable payments and the benefits of a long amortization — maximizing cash flow.
When your Columbia 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 Columbia and all of Missouri. Our loan officers understand Missouri commercial real estate markets and can structure loans for multifamily, retail, office, industrial, mixed-use, and special-purpose properties throughout Columbia and the surrounding region. While headquartered in Texas, we are licensed to fund commercial loans across Missouri with the same speed and flexibility our Texas clients depend on.
What we look at when underwriting a deal here
Missouri commercial property is split between two major metropolitan markets — Kansas City, a national rail and logistics hub, and St. Louis, with a large healthcare, biosciences, and industrial base — plus Springfield distribution and Branson hospitality.
Missouri taxes rental and business income at graduated rates and imposes no real estate transfer tax, which keeps transaction friction low on both acquisition and sale.
Missouri is a non-judicial foreclosure state with a comparatively fast timeline, and it is one of the least expensive states in which to transfer commercial property.
General information about the Missouri 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 | Columbia, Missouri | Direct Lender Since 1998
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