Commercial Loans of Texas provides fast, flexible commercial real estate loans throughout McKinney — one of the most rapidly growing cities in the United States. As a direct lender since 1998, we fund deals for McKinney investors and business owners with no upfront fees and in-house underwriting.
Call us today: 877-895-3634
Commercial Loan Programs in McKinney
SBA Loans McKinney TX
SBA 7(a) and SBA 504 loans for McKinney small businesses purchasing or refinancing owner-occupied commercial property. Up to $5 million with competitive rates and long terms.
Hard Money Loans McKinney
Fast-close hard money loans for McKinney commercial real estate investors. Close in 7-10 days with no income verification. Essential in McKinney’s fast-moving, high-growth market.
DSCR Loans McKinney TX
Investment property loans for McKinney rental and commercial properties. Qualify on property income — no W-2s or tax returns required.
Bridge Loans McKinney
Short-term commercial bridge financing for McKinney acquisitions and value-add projects. 6 to 24-month terms.
Commercial Construction Loans McKinney TX
Ground-up and renovation financing for McKinney commercial projects — office, retail, multifamily, and mixed-use in Collin County’s fastest-growing submarket.
Why McKinney Investors Choose Commercial Loans of Texas
- Direct lender since 1998 — in-house decisions, no middleman
- Collin County expertise — we understand McKinney’s high-growth commercial dynamics
- Fast approvals — 24-48 hour decisions
- No upfront fees — you pay nothing until your loan closes
McKinney Commercial Properties We Finance
- Office buildings and professional services
- Retail centers and mixed-use
- Industrial and warehouse
- Multifamily (5+ units)
- Land acquisition and construction
McKinney Service Area
We serve borrowers throughout Collin County including McKinney, Allen, Wylie, Princeton, Anna, Fairview, and the broader North Dallas corridor.
Phone: 877-895-3634 | Apply Online
Commercial Loans of Texas — Direct lender serving McKinney and Collin County since 1998.
Why Commercial Real Estate Investors Choose McKinney in 2026
McKinney is one of the top-ranked cities to live in Texas, with active deal flow in Historic Downtown, Craig Ranch, and Stonebridge Ranch. Investors are financing retail, multifamily, and office in Collin County using hard money, DSCR, and stated income programs — all available from Commercial Loans of Texas with no tax returns required and closes in as few as 7-14 days.
2026 Commercial Loan Rates in McKinney
- Hard Money: 9.5%–12%, 12-24 month terms, close in 7-14 days
- DSCR Loans: 7.25%–9.5%, 30-year amortization, qualify on cash flow
- Stated Income: 8%–10.5%, no tax returns, bank statements only
- SBA 7(a): 6.75%–8%, 25-year terms, 10% down
- Bridge Loans: 9%–11.5%, interest only, 6-24 months
Fast Approval Process for McKinney Borrowers
Our in-house underwriting means no bank committee delays. Submit your deal today and get a same-day Letter of Intent. We close most McKinney commercial loans in 14-21 days — some hard money deals in as few as 7. Call 877-895-3634 or apply online for a free quote.
USDA Business and Industry Loans Near McKinney, Texas
The USDA Business and Industry (B&I) Guaranteed Loan Program provides long-term commercial financing for businesses and commercial real estate in eligible rural Texas communities near McKinney. USDA B&I loans offer terms that standard commercial loans cannot match: up to 80% LTV, 30-year fully amortized terms, fixed rates, and an 80% federal guarantee that enables more competitive pricing than conventional programs. For commercial properties in USDA-eligible rural communities in the McKinney region, this program is often the best financing available.
USDA B&I eligibility is based on the property’s location — generally communities under 50,000 population that are not in an urbanized commuting area. Many smaller communities surrounding McKinney qualify. We confirm eligibility in minutes and handle the full USDA application process on your behalf — no federal bureaucracy for you to navigate. Call 877-895-3634 or learn more about our USDA B&I loan program to see if your property qualifies.