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Commercial real estate in Jacksonville, Florida moves fast — and your financing needs to keep up. Commercial Loans of Texas is a direct lender with over 25 years of experience funding commercial mortgage deals that banks turn away. We work with investors, business owners, and developers across Florida who need fast approvals, flexible terms, and a lender who actually picks up the phone.
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 Jacksonville and Florida.
For borrowers with strong financials, our conventional commercial mortgage program offers competitive rates on office, retail, multifamily, industrial, and mixed-use properties across Jacksonville, Florida.
Lock in your rate for the long haul. Our 30-year fixed commercial program gives Jacksonville property owners stable, predictable payments and the benefits of a long amortization — maximizing cash flow.
When your Jacksonville 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 Jacksonville and all of Florida. Our loan officers understand Florida commercial real estate markets and can structure loans for multifamily, retail, office, industrial, mixed-use, and special-purpose properties throughout Jacksonville and the surrounding region. While headquartered in Texas, we are licensed to fund commercial loans across Florida with the same speed and flexibility our Texas clients depend on.
What we look at when underwriting a deal here
Florida commercial real estate spans South Florida trade and international capital, Orlando hospitality and attractions, Tampa Bay office and industrial, Jacksonville port and distribution, and a statewide multifamily and retail base driven by sustained in-migration.
Florida has no state personal income tax, so rental and business income escapes state-level taxation — one of the primary reasons out-of-state investors target Florida commercial property.
Florida is a judicial foreclosure state, and property insurance is the dominant underwriting variable on nearly every Florida commercial deal. Expect insurance, not interest rate, to drive the debt service coverage calculation.
General information about the Florida market, not legal or tax advice. Confirm specifics with your own counsel and accountant before closing.
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Mon–Fri 8 AM–6 PM CT | Jacksonville, Florida | Direct Lender Since 1998
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