Commercial Loans Houston TX
No Tax Returns — Bad Credit OK — Fast Close
Houston’s direct commercial lender since 1998 — Energy Corridor, Galleria, Midtown, and every Houston submarket.
Hard money programs approve on the asset alone — no tax returns, no credit check required.
We also offer DSCR and stated income loans with rates below bank rates and terms up to 30 years.
Houston Commercial Loans — Every Program, Every Submarket
Banks take 60–90 days and decline anyone with complex income or credit issues. We’ve been closing Houston deals since 1998 — in weeks, not months.
📄 No Tax Returns
Hard money and stated income programs require no income verification. We approve on the property value and your equity.
🚫 Bad Credit OK
Hard money is asset-based — past bankruptcy, foreclosure, or low score don’t disqualify you. All credit profiles considered.
⚡ Same-Day LOI
Tell us about your Houston property and we’ll issue a letter of intent the same day. No weeks of bank back-and-forth.
🏠 All Property Types
Multifamily, office, retail, industrial, self-storage, mixed-use, raw land. If it’s in Houston, we’ve financed it.
💰 No Upfront Fees
No application fee. No processing fee before closing. Nothing out of pocket to get a quote or LOI.
📍 All Houston Submarkets
Energy Corridor, Galleria, Greenway Plaza, Midtown, Katy, Sugar Land, The Woodlands, Pearland, and all of Harris County.
📈 Beat the Bank — Rate & Term
Some programs 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 Houston
Every program below is available for Houston properties. Direct lender — no middlemen.
Hard Money Loans
Asset-based approval, no credit check, no tax returns. Close in 2–4 weeks. Ideal for competitive Houston deals.
DSCR Loans
Qualify on the property’s cash flow — not your personal income. No tax returns. Up to 30-year fixed terms.
Stated Income
Self-employed or complex income? We approve without W-2s or tax returns. Great for business owners and investors.
Bridge Loans
Short-term financing to close fast while you arrange permanent funding. No prepayment penalty.
Construction Loans
Ground-up and renovation financing for Houston developers. Draw schedule, fast approvals.
Land Loans
Raw land and commercial lots in Houston and Harris County. Banks won’t touch it — we will.
Houston deal moving fast?
Same-day LOI — no upfront fees — no tax returns required.
Who This Is For
If any of these describe you, call us — we can likely help.
Houston investor who needs to close fast — deal won’t wait 60–90 days for bank underwriting
Bad credit or past foreclosure — hard money looks at the Houston property, not your score
Self-employed with write-offs that make income look low — stated income and DSCR don’t require tax returns
Own Houston commercial property with equity — cash-out without income docs or credit approval
Foreign national buying or refinancing Houston commercial real estate — we lend to non-US citizens
Broker with a Houston client who can’t get bank approval — we pay referral fees
Common Questions
What Houston borrowers ask before calling.
Do you lend on all Houston property types?
Yes — multifamily, office, retail, industrial, self-storage, mixed-use, raw land, and commercial lots. We’ve closed loans across every Houston submarket since 1998, including the Energy Corridor, Galleria, Midtown, Katy, Sugar Land, The Woodlands, and Pearland.
Do I need good credit to get a Houston commercial loan?
Not on our hard money programs. Approval is based on the Houston property’s value and your equity — not your credit score. Past bankruptcy, foreclosure, or a low score won’t disqualify you. DSCR and stated income programs are more flexible than banks but do consider credit.
How fast can you close in Houston?
Same-day LOI once we review your property. Hard money and bridge loans typically close in 2–4 weeks. Houston deals move fast — our speed has helped borrowers beat cash buyers in competitive submarkets.
Do you lend to foreign nationals in Houston?
Yes. Hard money approval is on the asset, not citizenship or visa status. Non-US citizens and non-permanent residents qualify on the same Houston programs as US borrowers. No additional hoops.
Searching for a commercial lender near me in Houston?
Yes — we’re a Houston direct lender, not a broker. We’ve been closing commercial loans in Houston and Harris County since 1998 — Energy Corridor, Galleria, Midtown, Katy, Sugar Land, The Woodlands, Pearland, and every submarket. No tax returns, bad credit OK, foreign nationals welcome. Same-day LOI, no upfront fees.
Get Your Houston Commercial Loan LOI Today
Tell us about your Houston property — same-day letter of intent, no upfront fees.
No tax returns. Bad credit OK. Direct lender since 1998.
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