Commercial Loans Dallas TX
No Tax Returns — All Credit — DSCR & Hard Money
Dallas’s direct commercial lender since 1998 — Uptown, Las Colinas, Deep Ellum, Frisco, Plano, and every Dallas County submarket.
DSCR loans qualify on property income alone — no personal tax returns required.
Hard money programs approve on the asset — no income check, no credit minimum. Some programs offer rates below bank rates with terms up to 30 years.
Dallas Commercial Lending — Faster Than a Bank, More Programs Than a Bank
Dallas is the largest commercial real estate market in Texas. Banks are slow and selective. We’ve been funding Dallas deals since 1998 — with programs for every borrower type and property class.
📄 DSCR — No Personal Tax Returns
Qualify on the property’s rental income. Multifamily, retail, office, industrial — if the rent covers the payment, you qualify regardless of personal income.
📄 Hard Money — Asset-Based Approval
No income verification, no credit minimum. Approval based on the property value and your equity. Acquisitions, bridge, and value-add deals.
💳 All Credit Welcome
500 or 800+ — bad credit, past bankruptcy, foreclosure. Property value and equity drive approval on most programs.
⚡ Same-Day LOI
Letter of intent issued the same day you call. No weeks of bank committee underwriting before you know where you stand.
🌐 Foreign Nationals Welcome
Non-US citizens and international investors buying or refinancing Dallas commercial real estate. Asset-based approval, no US credit history required.
💰 No Upfront Fees
No application fee. No processing fee before closing. Nothing out of pocket to get your quote or LOI.
📈 Beat the Bank — Rate & Term
Not all our programs are hard money. Some offer rates lower than many banks AND terms up to 30 years fully amortized. Better rate, longer term, no balloon.
Loan Programs We Close in Dallas
Every program below closes right here in Texas. Direct lender, no middlemen, all Dallas County submarkets.
Multifamily & Apartment Loans
5+ units to large complexes. DSCR qualification on rental income — no personal returns. Uptown, Deep Ellum, Oak Cliff, Frisco.
Retail & Strip Centers
Strip malls, storefronts, and mixed-use. Qualify on lease income. Las Colinas, Addison, Plano, Irving, Garland.
Office Buildings
Single-tenant, multi-tenant, and medical office. No personal income docs on DSCR programs. Dallas CBD and suburbs.
Industrial & Warehouse
DFW logistics corridor, flex space, distribution, cold storage. All credit, fast close. All Dallas County locations.
Hard Money & Bridge Loans
Short-term asset-based financing for acquisitions, value-add, and time-sensitive deals. 6–24 month terms. No credit check.
Cash-Out Refinance
Pull equity from commercial property you already own. No seasoning, no income docs on most programs. Land qualifies.
Ready to close your Dallas deal?
Same-day LOI — no upfront fees — no tax returns required.
Who This Is For
If any of these describe your situation, call us today.
Own income-producing property in Dallas and can’t bank-qualify because income looks low on paper
Multifamily or commercial investor who wants to qualify on rental income, not personal tax returns
Any credit score — past bankruptcy or foreclosure — asset and equity drive approval
Foreign national or international investor buying or refinancing in Dallas or the DFW metro
Need to close fast — acquisition or value-add deal that won’t wait 60–90 days for bank underwriting
Broker with a Dallas client who needs commercial financing and can’t get bank approval — we pay referral fees
Common Questions
What Dallas borrowers ask before calling.
Searching for a commercial loan near me in Dallas?
Yes — we’ve been funding Dallas commercial deals since 1998. Uptown, Las Colinas, Deep Ellum, Oak Cliff, Frisco, Plano, Irving, Addison, Garland, and every Dallas County submarket. No tax returns required, bad credit OK, foreign nationals welcome. Call for a same-day LOI — no upfront fees.
What is a DSCR loan and how does it work in Dallas?
DSCR stands for Debt Service Coverage Ratio. Instead of looking at your personal income or tax returns, we look at whether the property’s rental income covers the loan payment. If it does, you qualify — regardless of whether you’re self-employed, a W-2 employee, or retired. Most multifamily and commercial properties in Dallas qualify on current or market rents.
Do you lend to foreign nationals in Dallas?
Yes. International investors and non-US citizens qualify on our asset-based programs. No US credit history, no US tax returns required. We’ve closed loans for foreign nationals throughout the DFW metro — call us and we’ll walk through which programs fit your situation.
How fast can you close a Dallas commercial loan?
Same-day LOI. Most closings run 2–4 weeks — far faster than the 60–90 days a bank takes. Hard money bridge loans can close faster when needed. If your deal has a deadline, call us first.
Get Your Dallas Loan LOI Today
Tell us about your property — same-day letter of intent, no upfront fees.
No tax returns. All credit welcome. DSCR and hard money programs available.
Frequently Asked Questions About Texas Commercial Loans
- › What credit score do I need?
- › How long does it take to close?
- › Hard money vs DSCR — which is better?
- › Can I get a loan with bad credit?
- › DSCR loan requirements 2026
- › No income verification loans
- › How do stated income loans work?
- › What documents are required?
- › SBA loan vs hard money
- › How to refinance a commercial property