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Home › Martinsburg, WV
Whether you are purchasing an investment property, refinancing a commercial building, or expanding your business in Martinsburg, West Virginia, you need a commercial mortgage lender who can move quickly and say yes when others say no. Commercial Loans of Texas has funded millions in commercial loans across West Virginia since 1998 — with no upfront fees and decisions in as little as 48 hours.
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 Martinsburg and West Virginia.
For borrowers with strong financials, our conventional commercial mortgage program offers competitive rates on office, retail, multifamily, industrial, and mixed-use properties across Martinsburg, West Virginia.
Lock in your rate for the long haul. Our 30-year fixed commercial program gives Martinsburg property owners stable, predictable payments and the benefits of a long amortization — maximizing cash flow.
When your Martinsburg 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 Martinsburg and all of West Virginia. Our loan officers understand West Virginia commercial real estate markets and can structure loans for multifamily, retail, office, industrial, mixed-use, and special-purpose properties throughout Martinsburg and the surrounding region. While headquartered in Texas, we are licensed to fund commercial loans across West Virginia with the same speed and flexibility our Texas clients depend on.
What we look at when underwriting a deal here
West Virginia commercial property is shaped by energy extraction and the natural gas industry, healthcare and government employment centered on Charleston and Huntington, Morgantown university demand, and the Eastern Panhandle's growing role as a distribution point within reach of the Washington and Baltimore markets.
West Virginia taxes rental and business income at graduated rates that have been declining, and both property values and operating costs remain among the lowest in the country.
West Virginia is a non-judicial foreclosure state. Severed mineral rights are common and title work should confirm the surface and mineral estate position before a commercial loan closes.
General information about the West Virginia 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–Fri 8 AM–6 PM CT | Martinsburg, West Virginia | Direct Lender Since 1998
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