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Home › Paterson, NJ
Whether you are purchasing an investment property, refinancing a commercial building, or expanding your business in Paterson, New Jersey, 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 New Jersey 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 Paterson and New Jersey.
For borrowers with strong financials, our conventional commercial mortgage program offers competitive rates on office, retail, multifamily, industrial, and mixed-use properties across Paterson, New Jersey.
Lock in your rate for the long haul. Our 30-year fixed commercial program gives Paterson property owners stable, predictable payments and the benefits of a long amortization — maximizing cash flow.
When your Paterson 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 Paterson and all of New Jersey. Our loan officers understand New Jersey commercial real estate markets and can structure loans for multifamily, retail, office, industrial, mixed-use, and special-purpose properties throughout Paterson and the surrounding region. While headquartered in Texas, we fund commercial loans across New Jersey with the same speed and flexibility our Texas clients depend on.
What we look at when underwriting a deal here
Paterson is a dense, older industrial city inside the northern New Jersey market, within reach of the Port of New York and New Jersey and the largest consumer base in the country. Its commercial stock is dominated by pre-war mill and manufacturing buildings, much of it suited to last-mile distribution or adaptive reuse, plus street-level retail serving a dense population. New Jersey's property tax burden and judicial foreclosure timeline are the two items that most shape lending terms here.
New Jersey commercial real estate is one of the strongest industrial and last-mile distribution markets in the country, driven by the Port of New York and New Jersey and proximity to the largest consumer market in the nation, plus a deep pharmaceutical and life sciences corridor.
New Jersey taxes rental and business income at high graduated rates and carries the highest effective property tax burden in the United States. That expense governs New Jersey underwriting.
New Jersey is a judicial foreclosure state with one of the longest timelines in the country, and the realty transfer fee plus the mansion-style surcharge add real cost at closing. Both belong in the model from the outset.
General information about the New Jersey 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–Thu 9–5 · Fri 9–12 CT | Paterson, New Jersey | Direct Lender Since 1998
We’ll email you our one-page Executive Loan Summary — fill it in online in about 2 minutes, or send the PDF back. Either way you’ll have written terms the same business day.
✓ One page • No credit pull • No upfront fees
or talk to a decision-maker right now
📞 877-895-3634 Mon–Thu 9–5 · Fri 9–12 CTNo SSN • No upfront fees • No obligation either way
Or skip the email and fill it in online now — about 2 minutes.
We’ll have written terms to you the same business day.
Need it sooner? Call 877-895-3634.