One page, about five minutes. Tell us the deal and we come back with real numbers, not a rate range. No SSN and no credit pull to get a quote.
Home › Elizabeth, NJ
Commercial real estate in Elizabeth, New Jersey 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 New Jersey 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 Elizabeth and New Jersey.
For borrowers with strong financials, our conventional commercial mortgage program offers competitive rates on office, retail, multifamily, industrial, and mixed-use properties across Elizabeth, New Jersey.
Lock in your rate for the long haul. Our 30-year fixed commercial program gives Elizabeth property owners stable, predictable payments and the benefits of a long amortization — maximizing cash flow.
When your Elizabeth 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 Elizabeth and all of New Jersey. Our loan officers understand New Jersey commercial real estate markets and can structure loans for multifamily, retail, office, industrial, mixed-use, and special-purpose properties throughout Elizabeth and the surrounding region. While headquartered in Texas, we are licensed to fund commercial loans across New Jersey with the same speed and flexibility our Texas clients depend on.
What we look at when underwriting a deal here
New Jersey commercial real estate is one of the strongest industrial and last-mile distribution markets in the country, driven by the Port of New York and New Jersey and proximity to the largest consumer market in the nation, plus a deep pharmaceutical and life sciences corridor.
New Jersey taxes rental and business income at high graduated rates and carries the highest effective property tax burden in the United States. That expense governs New Jersey underwriting.
New Jersey is a judicial foreclosure state with one of the longest timelines in the country, and the realty transfer fee plus the mansion-style surcharge add real cost at closing. Both belong in the model from the outset.
General information about the New Jersey 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 | Elizabeth, New Jersey | Direct Lender Since 1998
Tell us where to send it and you’ll have written terms the same business day.
✓ No credit pull needed for a written quote
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