Commercial Loans McKinney Texas | Direct Lender Since 1998
No upfront fees • No tax returns on most programs • Same-day response • Call 877-895-3634
McKinney is a thriving suburb north of Dallas that has transformed from a small historic town into one of the most sought-after commercial markets in Collin County. Its historic downtown, rapid population growth, and proximity to major Metroplex employers make it ideal for retail, mixed-use, and small commercial developments.
Commercial Loans of Texas has been funding deals across the state since 1998. We are a direct lender, not a broker, which means faster approvals, no middleman markups, and a loan officer who can answer your questions in under 3 minutes. If you have a commercial property in McKinney, we want to fund it.
Ready to get started? Call 877-895-3634 or submit your deal online. We respond the same day.
Why McKinney Businesses Choose Commercial Loans of Texas
The commercial real estate market in McKinney is driven by healthcare, retail, professional services, and light manufacturing. We understand these sectors and structure loans accordingly, whether you need a fast hard money close, a long-term 30-year fixed, or a stated income program that does not require tax returns.
- Direct lender since 1998 — we use our own capital, not a bank’s
- No upfront fees — you pay nothing until your loan closes
- All credit accepted — we lend on the deal, not just the borrower
- 48-hour approvals — closings in as few as 5-10 business days on hard money
- 44 states — licensed and active throughout Texas and nationwide
Commercial Loan Programs Available in McKinney, Texas
Hard Money / Fix and Flip Loans
Our most popular program for investors in McKinney. No tax returns. No income verification. We lend on the after-repair value of the property. Close in 5-10 business days. Ideal for fix-and-flip, bridge financing, or any deal that needs to move fast near US-75 and SH-121.
- Up to 75% LTV on purchase and 100% of rehab costs
- Rates from 9.99% — all credit accepted
- 6 to 24 month terms
- No prepayment penalty on most deals
Stated Income Commercial Loans
Self-employed? Own multiple properties? Our stated income program lets you qualify on bank statements instead of tax returns. Perfect for McKinney entrepreneurs and investors whose tax returns do not reflect actual income.
- 12 to 24 month bank statements accepted in lieu of tax returns
- Up to 75% LTV
- 30-year amortization available
- Retail, office, multifamily, mixed-use, and more
30-Year Fixed Commercial Loans
Long-term stability for established McKinney businesses and investors. Fully amortized over 30 years with a fixed rate. The same payment every month for the life of the loan. No balloon payments and no surprises.
- Competitive fixed rates — call for current pricing
- Owner-occupied and investment properties
- 150,000 dollar minimum loan amount
- Full-doc program — tax returns and financials required
SBA Loans in McKinney
SBA 7(a) and SBA 504 loans offer the lowest down payments and longest terms available for eligible McKinney businesses. We help you navigate the SBA process and get approved faster than a traditional bank.
- As low as 10% down on owner-occupied commercial real estate
- Terms up to 25 years
- Working capital, equipment, and real estate
Working Capital Loans
Need cash for payroll, inventory, equipment, or expansion in McKinney? Our working capital loans fund in days, not months. No collateral required on many programs.
- 50,000 to 5,000,000 dollars
- 6 to 60 month terms
- Minimal documentation required
- Funding in as few as 48 hours
Construction Loans in McKinney
Ground-up construction financing for McKinney developers. We fund draws as construction progresses and transition to permanent financing at completion.
- Up to 75% of project cost
- Residential and commercial construction
- Draw schedule matched to construction milestones
- Interest-only during the construction period
Property Types We Finance in McKinney
We lend on virtually every commercial property type in the McKinney market, including retail strip centers, office buildings, multifamily properties with 5 or more units, industrial and warehouse facilities, self-storage, hotels and motels, mixed-use properties, churches and special use, fix-and-flip residential, and commercial land.
How to Get a Commercial Loan in McKinney, Texas
- Call or apply online — 877-895-3634 or visit our online application. We respond same day.
- Get a written Letter of Intent — within 24 to 48 hours outlining your rate, LTV, and terms. No credit pull required.
- Submit your package — we send you a simple checklist. For hard money loans it is often just the purchase contract and property details.
- Close your loan — as fast as 5 to 10 business days on hard money and 3 to 4 weeks on conventional programs.
Frequently Asked Questions About McKinney Commercial Loans
Do I need perfect credit to get a commercial loan in McKinney?
No. Our hard money and stated income programs accept all credit. We lend on the property and the deal, not just your credit score. Borrowers with bankruptcies, foreclosures, or low scores are welcome to apply.
How fast can you close a commercial loan in McKinney?
Hard money loans close in 5 to 10 business days. Stated income and conventional loans typically close in 3 to 4 weeks. SBA loans can take 45 to 90 days due to the government approval process.
What is the minimum loan amount for McKinney commercial properties?
Our minimum is 100,000 dollars. Most of our McKinney deals range from 250,000 to 5,000,000 dollars. We have funded deals over 20,000,000 dollars.
Do you require a down payment for McKinney commercial loans?
Down payment requirements vary by program. Hard money loans typically require 25 to 35% down on purchase. SBA loans can go as low as 10% down. Some refinance programs require no cash out of pocket.