Louisiana’s commercial real estate market is driven by energy, tourism, and a robust port economy. New Orleans’ hospitality and short-term rental market is one of the most active in the South, while Baton Rouge’s petrochemical corridor drives industrial demand. Shreveport and Lafayette round out the state’s major commercial markets with healthcare, retail, and office lending opportunities.
Commercial Loans of Texas is a direct lender headquartered in Magnolia, TX, serving Louisiana and 43 other states nationwide. We make our own credit decisions — no broker, no middleman, no surprises at closing. Our borrowers in Louisiana typically close in 5–15 business days.
Commercial Loan Programs Available in Louisiana
We offer every major commercial loan program in Louisiana, from fast hard money loans to long-term 30-year fixed financing. Most programs require no tax returns and no upfront fees.
- Hard Money Loans — Asset-based lending up to 70% LTV. No income docs. Close in 5–10 business days. Ideal for acquisitions, fix-and-flip, and value-add commercial properties in Louisiana.
- DSCR Loans — Qualify on the property’s rental income, not your W-2 or tax returns. Great for investment properties and landlords across Louisiana.
- Stated Income Commercial Loans — No tax returns required on most programs. Built for self-employed borrowers, business owners, and investors in Louisiana.
- SBA 7(a) and SBA 504 Loans — Government-backed financing for owner-occupied commercial real estate and business acquisitions. Available statewide in Louisiana.
- Bridge Loans — Short-term capital to close quickly while permanent financing is arranged. Common in competitive Louisiana markets.
- Construction Loans — Ground-up construction and major renovation financing for commercial projects throughout Louisiana.
- Multifamily Loans — 5+ unit apartment financing with competitive rates, available in every market in Louisiana.
- 30-Year Fixed Commercial Loans — Long-term, fixed-rate commercial financing for stabilized investment properties.
Property Types We Finance in Louisiana
- Office buildings and medical office
- Retail strip centers and single-tenant NNN properties
- Industrial, warehouse, and flex space
- Multifamily (5+ units) and mixed-use buildings
- Self-storage facilities
- Hotels, motels, and short-term rental properties
- Church and faith-based properties
- Special use and non-warrantable properties
- Land and ground-up development
Loan Terms for Louisiana Borrowers
| Feature | Details |
|---|---|
| Loan Amounts | $150,000 – $5,000,000+ |
| Max LTV | Up to 70–75% depending on program |
| Loan Term | 12 months to 30 years |
| Income Docs | None required on most programs |
| Min Credit Score | 600+ (some programs lower) |
| Closing Time | 5–15 business days typical |
| Upfront Fees | None |
| States | 43 states including Louisiana |
Cities We Serve in Louisiana
We lend on commercial properties throughout Louisiana, including New Orleans, Baton Rouge, Shreveport, Lafayette. If the property is in Louisiana — urban, suburban, or rural — we can structure a loan for it. Contact us for a same-day quote regardless of location within the state.
Why Louisiana Borrowers Choose Us Over Local Banks
Local banks in Louisiana are often slow, require mountains of documentation, and reject borrowers who don’t fit a narrow qualification box. We work differently.
- Direct lender since 1998 — We fund our own loans. No brokers, no referral fees passed to you, no committee approval delays.
- Same-day response — Submit your deal and hear back from a decision maker within hours, not days or weeks.
- No upfront fees — We never charge application fees, processing fees, or due diligence fees before closing.
- No tax returns on most programs — We qualify based on the asset and its income, not your personal tax history.
- Fast closings — Most Louisiana commercial loans close in 5–15 business days from application to funding.
- Common-sense underwriting — We look at the deal, not just the borrower’s credit file. If the property makes sense, we find a way to fund it.
Frequently Asked Questions — Commercial Loans in Louisiana
Do I need a Louisiana business entity to get a commercial loan?
No. You can borrow as an individual, LLC, corporation, or partnership. Most investors use an LLC for liability protection, but it is not required to qualify. We lend to all entity types in Louisiana.
How fast can you close a commercial loan in Louisiana?
Most Louisiana commercial loans close in 5–15 business days from application to funding, depending on the program and how quickly the appraisal is completed. Hard money loans can sometimes close in as little as 5 business days. We provide a same-day term sheet so you know exactly where you stand.
What Commercial Loan Programs Are Most Used in Louisiana?
Hard money and bridge loans are popular in Louisiana for hospitality properties and value-add multifamily in New Orleans. DSCR loans are heavily used given the strong short-term rental income many New Orleans properties generate. Stated income programs work well for Louisiana’s large self-employed and entrepreneur population.
What is the minimum loan amount for commercial loans in Louisiana?
Our minimum loan amount is $150,000 for commercial properties in Louisiana. There is no maximum — we have closed loans well above $5 million. For deals under $150,000, we can sometimes make exceptions depending on the property type and location.
Ready to get a commercial loan in Louisiana? Apply online here or call us at 877-895-3634. Same-day response, no credit pull, no upfront fees. We have been closing commercial loans since 1998 and we know how to get difficult deals done.
Commercial Loans by City in Louisiana
We lend in every market in Louisiana. Here is an overview of our activity in the state’s major commercial real estate markets.
Commercial Loans in New Orleans, Louisiana
New Orleans is one of the South’s most unique commercial real estate markets, driven by tourism, hospitality, and a thriving short-term rental economy. The French Quarter, Warehouse District, and Mid-City neighborhoods all present strong investment opportunities. DSCR and hard money loans are especially popular given the city’s exceptional short-term rental income potential.
Commercial Loans in Baton Rouge, Louisiana
Baton Rouge is Louisiana’s state capital and a major petrochemical industry hub, with consistent commercial demand from government, healthcare, and industrial employers. Office and industrial properties along the I-10 corridor are particularly active. SBA loans are common for Baton Rouge’s diverse small business community.
Commercial Loans in Shreveport, Louisiana
Shreveport anchors northwest Louisiana’s commercial market, with demand driven by healthcare, gaming, and a growing film and television production industry. Multifamily and retail properties offer strong cap rates at affordable acquisition prices. Hard money and stated income loans are popular for Shreveport’s investor community.
Commercial Loans in Lafayette, Louisiana
Lafayette is the center of Louisiana’s Cajun country and a major energy industry hub, with commercial demand tied to the oil and gas services sector. Retail and mixed-use properties serve a strong local consumer economy. DSCR loans are popular for Lafayette’s multifamily and investment property market.