One page, about five minutes. Tell us the deal and we come back with real numbers, not a rate range. No SSN and no credit pull to get a quote.
Home › Overland Park, KS
Banks in Overland Park 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 Kansas 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 Overland Park and Kansas.
For borrowers with strong financials, our conventional commercial mortgage program offers competitive rates on office, retail, multifamily, industrial, and mixed-use properties across Overland Park, Kansas.
Lock in your rate for the long haul. Our 30-year fixed commercial program gives Overland Park property owners stable, predictable payments and the benefits of a long amortization — maximizing cash flow.
When your Overland Park 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 Overland Park and all of Kansas. Our loan officers understand Kansas commercial real estate markets and can structure loans for multifamily, retail, office, industrial, mixed-use, and special-purpose properties throughout Overland Park and the surrounding region. While headquartered in Texas, we are licensed to fund commercial loans across Kansas with the same speed and flexibility our Texas clients depend on.
What we look at when underwriting a deal here
Kansas commercial property is anchored by aviation manufacturing in Wichita, the Kansas City metropolitan industrial and distribution corridor on the state's eastern edge, university demand in Lawrence and Manhattan, and agriculture and energy across the western counties.
Kansas taxes rental and business income at the state level and imposes no real estate transfer tax, though it does apply a mortgage registration-style fee that belongs in the closing cost estimate.
Kansas is a judicial foreclosure state with a statutory redemption period after sale — a detail that directly affects how a commercial lender sizes and prices a Kansas loan.
General information about the Kansas 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 | Overland Park, Kansas | Direct Lender Since 1998
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