Maryland’s commercial real estate market benefits enormously from proximity to Washington D.C., creating consistent demand for office, multifamily, and mixed-use properties. Baltimore’s ongoing revitalization has created significant value-add opportunity across all asset classes, while the I-270 tech corridor and suburban D.C. markets offer premium commercial real estate fundamentals.
Commercial Loans of Texas is a direct lender headquartered in Magnolia, TX, serving Maryland and 43 other states nationwide. We make our own credit decisions — no broker, no middleman, no surprises at closing. Our borrowers in Maryland typically close in 5–15 business days.
Commercial Loan Programs Available in Maryland
We offer every major commercial loan program in Maryland, 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 Maryland.
- DSCR Loans — Qualify on the property’s rental income, not your W-2 or tax returns. Great for investment properties and landlords across Maryland.
- Stated Income Commercial Loans — No tax returns required on most programs. Built for self-employed borrowers, business owners, and investors in Maryland.
- SBA 7(a) and SBA 504 Loans — Government-backed financing for owner-occupied commercial real estate and business acquisitions. Available statewide in Maryland.
- Bridge Loans — Short-term capital to close quickly while permanent financing is arranged. Common in competitive Maryland markets.
- Construction Loans — Ground-up construction and major renovation financing for commercial projects throughout Maryland.
- Multifamily Loans — 5+ unit apartment financing with competitive rates, available in every market in Maryland.
- 30-Year Fixed Commercial Loans — Long-term, fixed-rate commercial financing for stabilized investment properties.
Property Types We Finance in Maryland
- 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 Maryland 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 Maryland |
Cities We Serve in Maryland
We lend on commercial properties throughout Maryland, including Baltimore, Columbia, Germantown, Silver Spring, Annapolis. If the property is in Maryland — 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 Maryland Borrowers Choose Us Over Local Banks
Local banks in Maryland 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 Maryland 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 Maryland
Do I need a Maryland 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 Maryland.
How fast can you close a commercial loan in Maryland?
Most Maryland 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 Maryland?
DSCR loans are very popular in Maryland for multifamily and mixed-use investment properties, particularly in the Baltimore and suburban D.C. markets. Hard money and bridge loans are used for value-add acquisitions in Baltimore. SBA loans are common for Maryland’s large population of government contractors and small businesses.
What is the minimum loan amount for commercial loans in Maryland?
Our minimum loan amount is $150,000 for commercial properties in Maryland. 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 Maryland? 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 Maryland
We lend in every market in Maryland. Here is an overview of our activity in the state’s major commercial real estate markets.
Commercial Loans in Baltimore, Maryland
Baltimore offers some of the most compelling value-add commercial real estate opportunities on the East Coast, with multifamily and mixed-use properties available at significant discounts to suburban Maryland and D.C. markets. The Inner Harbor and neighborhoods like Hampden and Remington are particularly active for retail and hospitality investment. Hard money and bridge loans are essential tools for Baltimore’s active investor community.
Commercial Loans in Columbia, Maryland
Columbia is South Carolina’s state capital and home to the University of South Carolina, creating consistent multifamily, retail, and office demand. The Five Points and Main Street districts are active for mixed-use and retail investment. DSCR and bridge loans are widely used for Columbia’s investment property market.
Commercial Loans in Germantown, Maryland
Germantown is one of Maryland’s key commercial markets with consistent demand for multifamily, retail, and industrial properties. We offer all commercial loan programs in Germantown with same-day responses and no upfront fees.
Commercial Loans in Silver Spring, Maryland
Silver Spring is a major suburban D.C. market with excellent transit access and consistent multifamily and retail demand. Proximity to federal agencies and a large healthcare presence drive office demand. Bridge and DSCR loans are widely used for Silver Spring’s competitive investment market.
Commercial Loans in Annapolis, Maryland
Annapolis is Maryland’s state capital and a premium waterfront market, with strong demand for hospitality, retail, and luxury multifamily properties. The boating and marine industry creates unique commercial lending opportunities. Hard money and stated income programs are popular for Annapolis’s self-employed business owner community.