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Home › North Providence, RI
Whether you are purchasing an investment property, refinancing a commercial building, or expanding your business in North Providence, Rhode Island, you need a commercial mortgage lender who can move quickly and say yes when others say no. Commercial Loans of Texas has funded millions in commercial loans across Rhode Island since 1998 — with no upfront fees and decisions in as little as 48 hours.
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 North Providence and Rhode Island.
For borrowers with strong financials, our conventional commercial mortgage program offers competitive rates on office, retail, multifamily, industrial, and mixed-use properties across North Providence, Rhode Island.
Lock in your rate for the long haul. Our 30-year fixed commercial program gives North Providence property owners stable, predictable payments and the benefits of a long amortization — maximizing cash flow.
When your North Providence 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 North Providence and all of Rhode Island. Our loan officers understand Rhode Island commercial real estate markets and can structure loans for multifamily, retail, office, industrial, mixed-use, and special-purpose properties throughout North Providence and the surrounding region. While headquartered in Texas, we are licensed to fund commercial loans across Rhode Island with the same speed and flexibility our Texas clients depend on.
What we look at when underwriting a deal here
Rhode Island commercial property is concentrated in Providence — healthcare, university, and design employment — with marine trades and defense in the Narragansett Bay corridor and older mill buildings throughout the state that continue to convert to residential and commercial use.
Rhode Island taxes rental and business income at graduated rates, and its property tax burden is high. Municipal rates vary substantially and must be checked per town.
Rhode Island permits power-of-sale foreclosure under a mortgage, which is faster than a judicial process. Mill conversions are common collateral here and require a lender comfortable with historic structures and phased renovation.
General information about the Rhode Island 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 | North Providence, Rhode Island | Direct Lender Since 1998
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