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Banks in Mobile want perfect credit, three years of tax returns, and months of waiting. We do not. Commercial Loans of Texas is a direct lender — not a broker — serving Alabama 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 Mobile and Alabama.
For borrowers with strong financials, our conventional commercial loan program offers competitive rates on office, retail, multifamily, industrial, and mixed-use properties across Mobile, Alabama.
Lock in your rate for the long haul. Our 30-year fixed commercial program gives Mobile property owners stable, predictable payments and the benefits of a long amortization — maximizing cash flow.
When your Mobile 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 Mobile and all of Alabama. Our loan officers understand Alabama commercial real estate markets and can structure loans for multifamily, retail, office, industrial, mixed-use, and special-purpose properties throughout Mobile and the surrounding region. While headquartered in Texas, we are licensed to fund commercial loans across Alabama with the same speed and flexibility our Texas clients depend on.
No upfront fees • No obligation • Decision in 48 hours
Mon–Fri 8 AM–6 PM CT | Mobile, Alabama | Direct Lender Since 1998
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No SSN • No upfront fees • No obligation either way