Commercial Loans of Texas provides commercial real estate financing throughout Garland — one of the most established commercial markets in the Dallas metro. As a direct lender since 1998, we fund loans for Garland investors and business owners with fast closings, flexible underwriting, and no upfront fees.
Call us today: 877-895-3634
Commercial Loan Programs in Garland
SBA Loans Garland TX
SBA 7(a) and SBA 504 loans for Garland small businesses purchasing or refinancing owner-occupied commercial real estate. Up to $5 million with long terms and competitive rates.
Hard Money Loans Garland
Asset-based hard money loans for Garland commercial real estate investors. Close in 7-10 days with no income verification. Ideal for industrial, retail, and multifamily acquisitions in Northeast Dallas County.
DSCR Loans Garland TX
Investment property loans for Garland rental and commercial properties. Qualify on property income — no W-2s or tax returns required.
Bridge Loans Garland
Short-term commercial bridge financing for Garland acquisitions and value-add projects. 6 to 24-month terms.
Why Garland Investors Choose Commercial Loans of Texas
- Direct lender since 1998 — in-house decisions, no broker
- Northeast Dallas County expertise — we understand the Garland commercial market
- Fast approvals — 24-48 hour decisions
- No upfront fees — no fees until closing
Garland Commercial Properties We Finance
- Industrial and manufacturing facilities
- Retail and strip centers
- Office buildings
- Multifamily (5+ units)
- Warehouse and flex space
- Land and construction
Phone: 877-895-3634 | Apply Online
Commercial Loans of Texas — Direct lender serving Garland and Northeast Dallas since 1998.
Why Commercial Real Estate Investors Choose Garland in 2026
Garland is established industrial and retail market east of Dallas, with active deal flow in Downtown Garland, Firewheel Town Center, and Beltline Road corridor. Investors are financing warehouse, light industrial, and retail in Dallas County using hard money, DSCR, and stated income programs — all available from Commercial Loans of Texas with no tax returns required and closes in as few as 7-14 days.
2026 Commercial Loan Rates in Garland
- Hard Money: 9.5%–12%, 12-24 month terms, close in 7-14 days
- DSCR Loans: 7.25%–9.5%, 30-year amortization, qualify on cash flow
- Stated Income: 8%–10.5%, no tax returns, bank statements only
- SBA 7(a): 6.75%–8%, 25-year terms, 10% down
- Bridge Loans: 9%–11.5%, interest only, 6-24 months
Fast Approval Process for Garland Borrowers
Our in-house underwriting means no bank committee delays. Submit your deal today and get a same-day Letter of Intent. We close most Garland commercial loans in 14-21 days — some hard money deals in as few as 7. Call 877-895-3634 or apply online for a free quote.
USDA Business and Industry Loans Near Garland, Texas
The USDA Business and Industry (B&I) Guaranteed Loan Program provides long-term commercial financing for businesses and commercial real estate in eligible rural Texas communities near Garland. USDA B&I loans offer terms that standard commercial loans cannot match: up to 80% LTV, 30-year fully amortized terms, fixed rates, and an 80% federal guarantee that enables more competitive pricing than conventional programs. For commercial properties in USDA-eligible rural communities in the Garland region, this program is often the best financing available.
USDA B&I eligibility is based on the property’s location — generally communities under 50,000 population that are not in an urbanized commuting area. Many smaller communities surrounding Garland qualify. We confirm eligibility in minutes and handle the full USDA application process on your behalf — no federal bureaucracy for you to navigate. Call 877-895-3634 or learn more about our USDA B&I loan program to see if your property qualifies.