We are Commercial Loans of Texas — a direct hard money and commercial real estate lender.
We lend our own capital across all 254 Texas counties. No credit check on hard money. No tax returns on most programs.
Bad credit OK. Foreign nationals welcome. Same-day letter of intent. No broker fees.
We started closing Texas commercial loans in 1998 — before most of the online lending platforms existed, before hard money became a buzzword, and before every broker started calling themselves a direct lender. We are not a broker and we are not a bank. We lend our own capital, make our own decisions, and fund our own deals. When we issue a letter of intent, that’s us committing — not a placeholder while we shop your file to a list of third-party lenders. The borrowers who call us are typically the ones a bank has already declined, the ones with a deadline a conventional lender can’t meet, or the ones who want to deal with a single point of contact who can actually say yes. That’s what we’ve been doing for over 25 years.
In business since 1998 — over two decades of Texas commercial lending
Direct capital — no third-party approval, no surprise declines after LOI
All 254 Texas counties — Houston, Dallas, San Antonio, Austin, Fort Worth, and every Texas market
No credit minimum on hard money — bad credit, bankruptcy, foreclosure all OK
No tax returns or income verification on hard money and stated income programs
Foreign nationals and international investors welcome — asset-based approval
Same-day letter of intent — no committee meetings, no waiting weeks to know where you stand
Brokers welcome — we pay referral fees at closing and protect your relationship
Every program below is available statewide. Not sure which fits your situation? Call us and we’ll match you in one conversation.
Asset-based. No credit check. No tax returns. All commercial property types. Up to 65–70% LTV.
Learn more →Qualify on rental income. No personal returns. 30-year fixed available. Multifamily, retail, office, industrial.
Learn more →Self-employed with no documentable income. No W-2s, no returns, no verification. All property types.
Learn more →6–24 month terms. Same-day LOI. Acquisition, renovation, or bridge to permanent. Fast close.
Learn more →Ground-up commercial with draw schedules. Land + construction in one loan. No tax returns.
Learn more →Raw land, lots, commercial parcels. Up to 50% LTV. No tax returns. Banks won’t — we will.
Learn more →Pull equity from property you own. Up to 80% LTV. Land qualifies. No income docs required.
Learn more →Fully amortized. No balloon. DSCR qualification. Rates competitive with — and sometimes below — banks.
Learn more →All 254 counties — every major market and every rural county. Click your city for market-specific information.
What borrowers ask when researching Commercial Loans of Texas.
Commercial Loans of Texas is a direct private commercial real estate lender based in Texas, in business since 1998. We lend our own capital on commercial properties statewide — all 254 counties. We are not a broker, not a bank, and not an agency. We make the decision and fund the loan in-house.
Hard money (no credit check, no tax returns), DSCR (qualify on rental income), stated income (self-employed), bridge loans (short-term), construction loans (ground-up), land loans, cash-out refinance, and 30-year fixed permanent loans. All programs close statewide.
Yes. Our hard money and stated income programs have no credit minimum. We lend on the property value and your equity. Bad credit, past bankruptcy, or foreclosure don’t prevent approval on asset-based programs. Call us with your property details — we’ll tell you what you qualify for.
Yes. International investors and non-US citizens are welcome on all our programs. No US credit history required. Asset-based approval. We close for foreign nationals regularly across all major Texas markets.
Same-day letter of intent after you submit your property details. Hard money and bridge loans typically close in 2–3 weeks — sometimes faster. DSCR and stated income permanent loans typically 2–4 weeks. Far faster than a bank’s 60–90 day process.
Yes — brokers are welcome and we pay referral fees at closing. We protect your broker relationship — your client remains your client. See our broker page for details.
Same-day LOI. No upfront fees. No tax returns on most programs.
Direct lender in all 254 Texas counties since 1998.