Oregon’s commercial real estate market is led by Portland, one of the West Coast’s most distinctive urban markets with strong demand for multifamily, industrial, and mixed-use properties. The Willamette Valley corridor — including Salem and Eugene — offers more affordable commercial lending opportunities. Eastern Oregon and the coast provide niche hospitality and agricultural investment opportunities.
Commercial Loans of Texas is a direct lender headquartered in Magnolia, TX, serving Oregon and 43 other states nationwide. We make our own credit decisions — no broker, no middleman, no surprises at closing. Our borrowers in Oregon typically close in 5–15 business days.
Commercial Loan Programs Available in Oregon
We offer every major commercial loan program in Oregon, from fast hard money loans to long-term 30-year fixed financing. Most programs require no tax returns and no upfront fees.
- Hard Money Loans — Asset-based lending up to 70% LTV. No income docs. Close in 5–10 business days. Ideal for acquisitions, fix-and-flip, and value-add commercial properties in Oregon.
- DSCR Loans — Qualify on the property’s rental income, not your W-2 or tax returns. Great for investment properties and landlords across Oregon.
- Stated Income Commercial Loans — No tax returns required on most programs. Built for self-employed borrowers, business owners, and investors in Oregon.
- SBA 7(a) and SBA 504 Loans — Government-backed financing for owner-occupied commercial real estate and business acquisitions. Available statewide in Oregon.
- Bridge Loans — Short-term capital to close quickly while permanent financing is arranged. Common in competitive Oregon markets.
- Construction Loans — Ground-up construction and major renovation financing for commercial projects throughout Oregon.
- Multifamily Loans — 5+ unit apartment financing with competitive rates, available in every market in Oregon.
- 30-Year Fixed Commercial Loans — Long-term, fixed-rate commercial financing for stabilized investment properties.
Property Types We Finance in Oregon
- Office buildings and medical office
- Retail strip centers and single-tenant NNN properties
- Industrial, warehouse, and flex space
- Multifamily (5+ units) and mixed-use buildings
- Self-storage facilities
- Hotels, motels, and short-term rental properties
- Church and faith-based properties
- Special use and non-warrantable properties
- Land and ground-up development
Loan Terms for Oregon Borrowers
| Feature | Details |
|---|---|
| Loan Amounts | $150,000 – $5,000,000+ |
| Max LTV | Up to 70–75% depending on program |
| Loan Term | 12 months to 30 years |
| Income Docs | None required on most programs |
| Min Credit Score | 600+ (some programs lower) |
| Closing Time | 5–15 business days typical |
| Upfront Fees | None |
| States | 43 states including Oregon |
Cities We Serve in Oregon
We lend on commercial properties throughout Oregon, including Portland, Salem, Eugene, Gresham, Hillsboro. If the property is in Oregon — urban, suburban, or rural — we can structure a loan for it. Contact us for a same-day quote regardless of location within the state.
Why Oregon Borrowers Choose Us Over Local Banks
Local banks in Oregon are often slow, require mountains of documentation, and reject borrowers who don’t fit a narrow qualification box. We work differently.
- Direct lender since 1998 — We fund our own loans. No brokers, no referral fees passed to you, no committee approval delays.
- Same-day response — Submit your deal and hear back from a decision maker within hours, not days or weeks.
- No upfront fees — We never charge application fees, processing fees, or due diligence fees before closing.
- No tax returns on most programs — We qualify based on the asset and its income, not your personal tax history.
- Fast closings — Most Oregon commercial loans close in 5–15 business days from application to funding.
- Common-sense underwriting — We look at the deal, not just the borrower’s credit file. If the property makes sense, we find a way to fund it.
Frequently Asked Questions — Commercial Loans in Oregon
Do I need a Oregon business entity to get a commercial loan?
No. You can borrow as an individual, LLC, corporation, or partnership. Most investors use an LLC for liability protection, but it is not required to qualify. We lend to all entity types in Oregon.
How fast can you close a commercial loan in Oregon?
Most Oregon commercial loans close in 5–15 business days from application to funding, depending on the program and how quickly the appraisal is completed. Hard money loans can sometimes close in as little as 5 business days. We provide a same-day term sheet so you know exactly where you stand.
What Commercial Loan Programs Are Most Used in Oregon?
Hard money and bridge loans are popular in Portland for fast acquisitions in a competitive market. DSCR loans are widely used by Oregon’s investment property owners, particularly for Portland’s strong rental market. Stated income programs work well for Oregon’s large population of self-employed professionals and entrepreneurs.
What is the minimum loan amount for commercial loans in Oregon?
Our minimum loan amount is $150,000 for commercial properties in Oregon. There is no maximum — we have closed loans well above $5 million. For deals under $150,000, we can sometimes make exceptions depending on the property type and location.
Ready to get a commercial loan in Oregon? Apply online here or call us at 877-895-3634. Same-day response, no credit pull, no upfront fees. We have been closing commercial loans since 1998 and we know how to get difficult deals done.
Commercial Loans by City in Oregon
We lend in every market in Oregon. Here is an overview of our activity in the state’s major commercial real estate markets.
Commercial Loans in Portland, Oregon
Portland is Oregon’s dominant commercial market, with strong multifamily, industrial, and mixed-use demand driven by a diverse economy and consistent in-migration. The Pearl District, Division Street, and the urban core continue to attract retail and hospitality investment. Hard money and bridge loans are widely used for Portland’s competitive acquisition market.
Commercial Loans in Salem, Oregon
Salem is Oregon’s state capital with consistent commercial demand from state government employment, healthcare, and agribusiness. Office and retail properties near the State Capitol see strong occupancy. SBA and DSCR loans are popular for Salem’s diverse borrower community.
Commercial Loans in Eugene, Oregon
Eugene is anchored by the University of Oregon and a growing outdoor industry and tech sector, creating strong multifamily and retail demand. Student housing and mixed-use properties near campus are particularly sought after. Bridge and DSCR loans are widely used for Eugene’s investment property market.
Commercial Loans in Gresham, Oregon
Gresham is one of Oregon’s key commercial markets with consistent demand for multifamily, retail, and industrial properties. We offer all commercial loan programs in Gresham with same-day responses and no upfront fees.
Commercial Loans in Hillsboro, Oregon
Hillsboro is one of Oregon’s key commercial markets with consistent demand for multifamily, retail, and industrial properties. We offer all commercial loan programs in Hillsboro with same-day responses and no upfront fees.