Commercial Real Estate Loans in Plano, Texas
Plano is one of the premier commercial real estate markets in North Texas and the entire United States. Home to the North American headquarters of Toyota, JPMorgan Chase, Liberty Mutual, and dozens of other Fortune 500 companies, Plano’s commercial market operates at a scale that demands sophisticated, fast financing. As a Texas direct lender since 1998, we provide commercial real estate loans throughout Plano with no upfront fees and in-house approval.
Commercial Loan Programs in Plano, TX
We offer every major commercial loan product available for Plano real estate investors and business owners:
- Hard Money Loans — Close in 7 to 14 days with no income verification. Asset-based underwriting means we focus on the property and your equity position, not your tax returns. Essential for competitive Plano acquisitions where speed wins the deal.
- Stated Income Commercial Loans — No tax returns or W-2s required. Qualify based on assets and property value. Perfect for Plano’s large self-employed professional and executive investor class who have strong assets but complex income documentation.
- DSCR Loans — Qualify on the property’s cash flow, not personal income. The rental income from your Plano commercial property is the primary qualification factor. Strong product for retail, office, and multifamily acquisitions.
- SBA 504 and 7(a) Loans — Long-term owner-occupied financing with low down payments and competitive rates for Plano businesses purchasing commercial real estate outright.
- Bridge Loans — Short-term capital to act fast in Plano’s competitive market. Close quickly on the acquisition, stabilize the asset, then refinance to permanent financing. Terms from 6 to 24 months.
- Construction Loans — Ground-up financing for office, retail, mixed-use, and multifamily development in Plano’s continuing growth corridors.
- Portfolio Loans — Finance multiple Plano commercial properties under one streamlined loan structure. Ideal for investors scaling their local portfolio.
Plano Commercial Real Estate Market Overview
Plano’s commercial market is defined by the Legacy Business District, which houses millions of square feet of Class A office space anchored by Fortune 500 headquarters. The Shops at Legacy, Legacy West, and Granite Park have transformed the area into a walkable, mixed-use destination that supports some of the highest office rents in North Texas. The US-75 (Central Expressway) corridor through Plano remains one of the busiest commercial strips in the DFW metroplex, with strong retail, medical office, and restaurant demand sustained by one of the wealthiest demographic bases in Texas.
Multifamily development in Plano has been intense, driven by the influx of corporate relocations bringing high-income workers who prefer renting before buying in an unfamiliar market. Luxury apartment communities and upscale retail have transformed multiple Plano neighborhoods over the past decade. Industrial and flex space in east Plano serves distribution and light manufacturing users, with low vacancy reflecting strong regional absorption. The Legacy area specifically has become a live-work-play destination that commands a significant premium over comparable suburban DFW submarkets.
The DART light rail system runs through Plano with multiple stations, creating transit-oriented development opportunities near the Parker Road, Downtown Plano, and Spring Creek stations. Properties within walking distance of DART stations in Plano have historically commanded rent premiums and attract both retail and residential tenants who value car-free commute options to Dallas. For commercial investors, these transit corridors represent some of the strongest long-term value-creation opportunities in the market.
Why Plano Investors Choose Us Over Banks
Banks in Plano require 60 to 90 days, two years of tax returns, and a long list of documentation that kills deals and costs investors opportunities. We are built differently. As a direct lender, we make our own underwriting decisions in-house, which means faster answers and faster closings.
- No upfront fees — Zero cost before closing. Our fees come from loan proceeds at closing, period.
- Direct lender since 1998 — No broker markups, no third-party approvals, no committee delays.
- Hard money in 7 to 14 days — Fast enough to win deals in Plano’s competitive environment.
- Loan amounts from $150K to $10M+ — Right-sized for Plano’s diverse deal flow from small strip centers to Class A office.
- All borrower types welcome — LLC, corporation, foreign national, self-employed, recent credit events all considered on their merits.
Sample Plano Commercial Loan Scenarios
Legacy West retail pad: Out-of-state investor competes on a retail pad site near Legacy West. Needs to close in 12 days to beat a competing cash offer. We fund hard money at 65% LTV and close on day 11. Seller accepts.
US-75 office refinance: Owner of a 15,000 SF Class B office building on Central Expressway wants cash-out for tenant improvements and HVAC upgrades. Bank quotes 90 days and requires 3 years of tax returns. We close in 21 days with stated income at 70% LTV — owner keeps the deal and the tenant.
East Plano multifamily bridge: Developer acquires aging 24-unit apartment complex for value-add renovation. We fund acquisition and renovation costs with a 12-month hard money bridge at 65% LTV, converting to a DSCR permanent loan after stabilization at market rents.
Get a Plano Commercial Loan Quote Today
Ready to move on your Plano commercial deal? Call 877-895-3634 for a same-day response, or apply online and receive a term sheet within 24 hours. We close fast, charge nothing upfront, and have been Texas’s trusted direct commercial lender since 1998.
Commercial Loan Rates and Terms — Plano, Texas
Here is a general overview of the loan programs available for Plano commercial real estate. Actual rates depend on property type, LTV, borrower profile, and market conditions at time of application.
| Loan Type | Rate Range | Term | LTV | Documentation |
|---|---|---|---|---|
| Hard Money | 10–13% | 6–24 months | Up to 70% | None required |
| Stated Income | 8–11% | 5–30 years | Up to 70% | Assets only |
| DSCR | 7.5–10% | 5–30 years | Up to 75% | Rent roll |
| SBA 504 | 6–7.5% | 10 or 20 years | Up to 90% | Full doc |
| Bridge | 9–12% | 6–18 months | Up to 70% | Minimal |
Call 877-895-3634 for a precise quote on your Plano commercial property. We issue term sheets within 24 hours with no upfront fees.
USDA Business and Industry Loans Near Plano, Texas
The USDA Business and Industry (B&I) Guaranteed Loan Program provides long-term commercial financing for businesses and commercial real estate in eligible rural Texas communities near Plano. USDA B&I loans offer terms that standard commercial loans cannot match: up to 80% LTV, 30-year fully amortized terms, fixed rates, and an 80% federal guarantee that enables more competitive pricing than conventional programs. For commercial properties in USDA-eligible rural communities in the Plano region, this program is often the best financing available.
USDA B&I eligibility is based on the property’s location — generally communities under 50,000 population that are not in an urbanized commuting area. Many smaller communities surrounding Plano qualify. We confirm eligibility in minutes and handle the full USDA application process on your behalf — no federal bureaucracy for you to navigate. Call 877-895-3634 or learn more about our USDA B&I loan program to see if your property qualifies.