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Home › Norfolk, NE
Banks in Norfolk want perfect credit, three years of tax returns, and months of waiting. We do not. Commercial Loans of Texas is a direct commercial mortgage lender — not a broker — serving Nebraska 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 Norfolk and Nebraska.
For borrowers with strong financials, our conventional commercial mortgage program offers competitive rates on office, retail, multifamily, industrial, and mixed-use properties across Norfolk, Nebraska.
Lock in your rate for the long haul. Our 30-year fixed commercial program gives Norfolk property owners stable, predictable payments and the benefits of a long amortization — maximizing cash flow.
When your Norfolk 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 Norfolk and all of Nebraska. Our loan officers understand Nebraska commercial real estate markets and can structure loans for multifamily, retail, office, industrial, mixed-use, and special-purpose properties throughout Norfolk and the surrounding region. While headquartered in Texas, we are licensed to fund commercial loans across Nebraska with the same speed and flexibility our Texas clients depend on.
What we look at when underwriting a deal here
Nebraska commercial real estate is anchored by Omaha — insurance, finance, transportation headquarters, and a growing data center corridor — plus Lincoln university and government demand, and agriculture, rail, and food processing statewide.
Nebraska taxes rental and business income at graduated rates, and its property tax burden is high relative to neighboring states — a line item that should be verified at the county level.
Nebraska is primarily a judicial foreclosure state, though trust deeds allow a non-judicial path. Property taxes, not interest, are usually the largest controllable expense on a Nebraska commercial hold.
General information about the Nebraska 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 | Norfolk, Nebraska | Direct Lender Since 1998
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