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Home › Gilbert, AZ
Banks in Gilbert want perfect credit, three years of tax returns, and months of waiting. We do not. Commercial Loans of Texas is a direct commercial mortgage lender — not a broker — serving Arizona borrowers with stated income loans, conventional financing, working capital solutions, and more. If your deal makes sense, we can fund it.
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 Gilbert and Arizona.
For borrowers with strong financials, our conventional commercial mortgage program offers competitive rates on office, retail, multifamily, industrial, and mixed-use properties across Gilbert, Arizona.
Lock in your rate for the long haul. Our 30-year fixed commercial program gives Gilbert property owners stable, predictable payments and the benefits of a long amortization — maximizing cash flow.
When your Gilbert 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 Gilbert and all of Arizona. Our loan officers understand Arizona commercial real estate markets and can structure loans for multifamily, retail, office, industrial, mixed-use, and special-purpose properties throughout Gilbert and the surrounding region. While headquartered in Texas, we are licensed to fund commercial loans across Arizona with the same speed and flexibility our Texas clients depend on.
What we look at when underwriting a deal here
Arizona commercial real estate centers on metropolitan Phoenix — office, industrial, and one of the most active build-to-rent and multifamily pipelines in the Southwest — with Tucson adding a university, defense, and logistics base and border trade driving warehouse demand.
Arizona taxes personal and business income at a low flat rate and has no real estate transfer tax, which keeps closing costs lower here than in most comparable growth markets.
Arizona is generally a non-judicial foreclosure state using deeds of trust. Combined with the absence of a transfer tax, that makes Arizona one of the more straightforward Southwest states to lend into.
General information about the Arizona 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 | Gilbert, Arizona | Direct Lender Since 1998
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📞 877-895-3634 Mon–Thu 9–5 · Fri 9–12 CTNo SSN • No upfront fees • No obligation either way