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Home › Fairbanks, AK
Commercial real estate in Fairbanks, Alaska 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 Alaska 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 Fairbanks and Alaska.
For borrowers with strong financials, our conventional commercial mortgage program offers competitive rates on office, retail, multifamily, industrial, and mixed-use properties across Fairbanks, Alaska.
Lock in your rate for the long haul. Our 30-year fixed commercial program gives Fairbanks property owners stable, predictable payments and the benefits of a long amortization — maximizing cash flow.
When your Fairbanks 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 Fairbanks and all of Alaska. Our loan officers understand Alaska commercial real estate markets and can structure loans for multifamily, retail, office, industrial, mixed-use, and special-purpose properties throughout Fairbanks and the surrounding region. While headquartered in Texas, we are licensed to fund commercial loans across Alaska with the same speed and flexibility our Texas clients depend on.
What we look at when underwriting a deal here
Alaska's commercial base is concentrated in Anchorage and Fairbanks, driven by oil and gas services, federal and military installations, air cargo through Ted Stevens International, fishing, and a seasonal tourism economy that shapes hospitality and retail demand.
Alaska has no state personal income tax, so rental and business income is not taxed at the state level — a meaningful advantage for out-of-state investors holding Alaskan property.
Appraisal and construction costs run high and comparable sales can be thin outside the main boroughs, so commercial deals here are underwritten more on income and sponsor strength than on a dense comp set.
General information about the Alaska 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 | Fairbanks, Alaska | Direct Lender Since 1998
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