Commercial Loans for Property — Texas Direct Lender Since 1998
Need financing for a commercial property in Texas? We have a program for it.
Hard money for fast close. DSCR for income-producing properties. Stated income for the self-employed.
No tax returns on most programs. All credit welcome. Same-day LOI.
Commercial Loans for Every Property Type
The loan program that fits depends on your property, your situation, and your timeline. Here’s what we offer — and what each is best for.
Hard Money
Fastest close. No credit check. No income docs. Approved on the asset value and your equity.
Best for: All types • Fast close • Bad creditDSCR Loan
Qualify on rental income the property generates. No personal returns. 30-year fixed available.
Best for: Multifamily • Retail • Office • IndustrialStated Income
Self-employed with no documentable income. No W-2s, no returns, no income verification.
Best for: Self-employed • Complex incomeBridge Loan
Short-term financing for acquisition or renovation. 6–24 months. Same-day LOI.
Best for: Time-sensitive deals • Value-addConstruction
Ground-up commercial with draw schedules. Land + construction in one loan. No tax returns.
Best for: New construction • All property typesCash-Out Refinance
Pull equity from property you own. Up to 80% LTV. Land qualifies. No income docs needed.
Best for: Equity access • Any propertyHow It Works
Simple process. Same-day answer. No upfront fees.
Tell Us About Your Property
Call us or fill out the online form. Tell us the property type, location, estimated value, and what you need the loan for. Takes 3 minutes.
Get a Same-Day LOI
We issue a letter of intent the same day. No waiting for committee approval, no preliminary credit check, no upfront fees.
We Order an Appraisal
Once you accept the LOI, we order the appraisal. This is the main document we need to underwrite on the asset value.
Close in 2–4 Weeks
We coordinate title and close. Most deals close in 2–4 weeks. Hard money and bridge can close faster. No 90-day bank timeline.
Common Questions
What borrowers ask when searching for commercial loans for property in Texas.
Searching for commercial loans for property near me in Texas?
Yes — we’re a Texas direct commercial property lender in all 254 counties since 1998. Hard money, DSCR, stated income, bridge, construction, cash-out. No tax returns on most programs, bad credit OK, foreign nationals welcome. Same-day LOI, no upfront fees.
What types of commercial property do you finance?
All types: multifamily (5+ units), retail, office, industrial, mixed-use, raw land, hotels, self-storage, mobile home parks, gas stations, restaurants, NNN properties, and special-use. If it’s commercial real estate in Texas, we have a program for it.
Can I get a commercial property loan with bad credit?
Yes. Our hard money and bridge programs have no minimum credit requirement. We lend on the property value and your equity — not your credit score. Past bankruptcy, foreclosure, or low FICO don’t disqualify you. DSCR and stated income programs also have minimal credit requirements.
Do you lend on investment properties as well as owner-occupied?
Both. Investment properties, owner-occupied commercial properties, and mixed-use properties all qualify. DSCR programs are specifically designed for investment properties that generate rental income. Hard money works for both.
Get Your Commercial Property Loan Quote Today
Tell us your property and situation — we’ll give you a same-day LOI.
No credit check on most programs. No tax returns. All Texas counties.