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Home › Macon, GA
Banks in Macon 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 Georgia 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 Macon and Georgia.
For borrowers with strong financials, our conventional commercial mortgage program offers competitive rates on office, retail, multifamily, industrial, and mixed-use properties across Macon, Georgia.
Lock in your rate for the long haul. Our 30-year fixed commercial program gives Macon property owners stable, predictable payments and the benefits of a long amortization — maximizing cash flow.
When your Macon 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 Macon and all of Georgia. Our loan officers understand Georgia commercial real estate markets and can structure loans for multifamily, retail, office, industrial, mixed-use, and special-purpose properties throughout Macon and the surrounding region. While headquartered in Texas, we fund commercial loans across Georgia with the same speed and flexibility our Texas clients depend on.
What we look at when underwriting a deal here
Macon anchors Middle Georgia at the intersection of I-75 and I-16, which makes it a natural distribution point between Atlanta and the Port of Savannah. Healthcare and higher education are the largest stable employers, with aerospace maintenance work at nearby Robins Air Force Base supporting the industrial base. Warehouse, flex and owner-occupied industrial are the most commonly financed property types here, along with a historic downtown that continues to draw adaptive-reuse projects.
Georgia commercial property is dominated by metropolitan Atlanta — one of the largest industrial and distribution markets in the Southeast, plus a deep office and multifamily base — with Savannah port logistics, Augusta cyber and medical, and Macon and Columbus serving regional distribution.
Georgia taxes rental and business income at a flat state rate and its overall business cost structure remains competitive with neighboring Southeastern states.
Georgia is a non-judicial foreclosure state with a notably fast statutory timeline, which is one of the reasons commercial lenders are comfortable writing flexible terms into Georgia deals.
General information about the Georgia 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–Thu 9–5 · Fri 9–12 CT | Macon, Georgia | Direct Lender Since 1998
We’ll email you our one-page Executive Loan Summary — fill it in online in about 2 minutes, or send the PDF back. Either way you’ll have written terms the same business day.
✓ One page • No credit pull • No upfront fees
or talk to a decision-maker right now
📞 877-895-3634 Mon–Thu 9–5 · Fri 9–12 CTNo SSN • No upfront fees • No obligation either way
Or skip the email and fill it in online now — about 2 minutes.
We’ll have written terms to you the same business day.
Need it sooner? Call 877-895-3634.