If you are looking for commercial loans in Houston, Commercial Loans of Texas has been closing deals in the largest city in Texas and fourth largest in the US since 1998. As a direct lender, we underwrite in-house and close fast — without the delays of a bank committee or a broker adding fees between you and your money.
Houston’s commercial market spans the Energy Corridor, Galleria, Greenway Plaza, downtown, Midtown, and dozens of suburban submarkets.
Commercial Loan Programs Available in Houston
- Hard Money Loans — Close in 7-14 days. Asset-based underwriting, no tax returns required. Ideal for time-sensitive acquisitions and competitive Houston deals.
- DSCR Loans — Qualify based on property cash flow, not personal income. No tax returns. Perfect for self-employed investors and LLC buyers.
- SBA 7(a) and 504 Loans — Low down payment commercial financing backed by the SBA. Best for owner-occupied commercial properties in Houston.
- Construction Loans — Ground-up and renovation financing up to 85% LTC for Houston developers and builders.
- Bridge Loans — Short-term financing to close fast while permanent financing is arranged. No prepayment penalty.
- Stated Income Loans — For borrowers with non-traditional income documentation. No tax returns, no FICO minimum on hard money.
- Raw Land Loans — Financing for vacant land purchases in Houston and surrounding areas.
Why Houston Investors Choose Commercial Loans of Texas
Houston deals move fast, especially in competitive submarkets like the Energy Corridor and Galleria. Our hard money and bridge programs close in as little as 10 days — giving you the speed to compete with cash buyers. — giving you the speed to compete with cash buyers without paying all cash.
We have closed loans on oil-and-gas office buildings, retail centers, multi-family properties, industrial warehouses, self-storage facilities, and mixed-use projects throughout Houston, Katy, Sugar Land, The Woodlands, Pearland, and the greater Harris County area.
We are 100% asset-based. That means approvals are based on property value — not your tax returns or credit score. Most loans close in 7-14 days. Free written quotes with no obligation.
Get a Commercial Loan Quote in Houston
Call us at 877-895-3634 or use the contact form on this page. We respond same day on most loan requests. No upfront fees. No obligation.
Commercial Loans of Texas — direct lender serving Houston since 1998.