Commercial Loans Fort Worth TX
No Tax Returns — Income-Producing & Hard Money — All Credit
Fort Worth’s direct commercial lender since 1998 — Downtown, Alliance Corridor, Stockyards, Near Southside, and every Tarrant County submarket.
DSCR loans qualify on rental 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.
Fort Worth Commercial Lending — No Income Docs, All Property Types
Banks want 2 years of tax returns and clean credit. If you own commercial real estate or income-producing property in Fort Worth, we can move faster and approve where banks can’t.
📄 DSCR — Qualify on Rental Income
Income-producing properties qualify on the property’s cash flow — not your personal income or tax returns. Multifamily, retail, office, industrial.
📄 No Tax Returns on Hard Money
Hard money programs approve on the asset alone. No W-2s, no personal income verification, no credit minimum required.
💳 All Credit Welcome
500 or 800+ — credit score is not the deciding factor. Equity and property value drive approval on most programs.
⚡ Same-Day LOI
Letter of intent issued the same day you call. No weeks of bank committee back-and-forth before you know if you’re approved.
🌐 Foreign Nationals Welcome
Financing for non-US citizens and international investors buying or refinancing commercial real estate in Fort Worth. Asset-based approval.
💰 No Upfront Fees
No application fee. No processing fee before closing. Nothing out of pocket to get a quote or LOI.
📈 Beat the Bank — Rate & Term
Not all our programs are hard money. Some offer interest rates lower than many banks AND terms up to 30 years fully amortized. Better rate, longer term, no balloon payment.
Loan Programs We Close in Fort Worth
Every program below closes right here in Texas. Direct lender, no middlemen, all Tarrant County submarkets.
Multifamily & Apartment Loans
5+ units to large apartment complexes. DSCR qualification on rental income — no personal returns required. Alliance Corridor, Near Southside, Downtown.
Retail & Strip Mall
Strip centers, storefronts, mixed-use. Qualify on the property’s lease income. All Tarrant County locations.
Office Buildings
Single-tenant, multi-tenant, and medical office. Qualify on occupancy and rental income without personal income docs.
Industrial & Warehouse
Alliance Corridor logistics, flex space, cold storage, distribution. All credit, fast close.
Hard Money & Bridge Loans
Short-term asset-based financing for acquisitions, value-add, and situations where speed matters. 6–24 month terms. No credit check required.
Commercial Land & Construction
Raw land loans, lot loans, and ground-up construction financing throughout Tarrant County. No income docs on land programs.
Ready to close your Fort Worth 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 Fort Worth and can’t qualify at a bank 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, foreclosure, or 500 FICO — asset and equity drive approval
Foreign national or international investor buying or refinancing commercial real estate in Fort Worth or Tarrant County
Need to close fast — your deal won’t wait 60–90 days for bank underwriting
Broker with a Fort Worth client who needs income-producing or hard money commercial financing — we pay referral fees
Common Questions
What Fort Worth borrowers ask before calling.
Searching for a commercial loan near me in Fort Worth?
Yes — we’ve been funding Fort Worth commercial deals since 1998. Downtown, Alliance Corridor, Stockyards, Near Southside, Southlake, Arlington, Mansfield, and every Tarrant County submarket. If you need a commercial loan near you with no tax return, bad credit OK, or on income-producing property, call us for a same-day LOI — no upfront fees.
How do DSCR loans work for income-producing properties?
DSCR (Debt Service Coverage Ratio) loans qualify on the property’s rental income, not your personal income or tax returns. If the rents cover the debt payment, you qualify — self-employed, W-2, retired, it doesn’t matter. Multifamily, retail, and office properties in Fort Worth typically qualify on current or market rents.
Do you lend to foreign nationals in Fort Worth?
Yes. International investors and non-US citizens can qualify on our asset-based programs. No US credit history required. No US tax returns required. We’ve closed commercial loans for foreign nationals throughout Texas — call us and we’ll walk through which programs apply to your situation.
What credit score do I need?
On DSCR loans the property’s income drives approval — credit is reviewed but not the primary factor. On hard money programs there is no minimum credit score. We work with borrowers from 500 FICO to 800+ across all programs.
How fast can you close a Fort Worth commercial loan?
Same-day LOI. Closings typically run 2–4 weeks — far faster than the 60–90 days a bank takes. Hard money bridge loans can close faster. If your deal has a deadline, call us first — speed is one of our primary advantages over banks.
Get Your Fort Worth Loan LOI Today
Tell us about your property — same-day letter of intent, no upfront fees.
No tax returns. All credit welcome. Income-producing 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