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Home › Portland, OR
Banks in Portland 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 Oregon 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 Portland and Oregon.
For borrowers with strong financials, our conventional commercial mortgage program offers competitive rates on office, retail, multifamily, industrial, and mixed-use properties across Portland, Oregon.
Lock in your rate for the long haul. Our 30-year fixed commercial program gives Portland property owners stable, predictable payments and the benefits of a long amortization — maximizing cash flow.
When your Portland 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 Portland and all of Oregon. Our loan officers understand Oregon commercial real estate markets and can structure loans for multifamily, retail, office, industrial, mixed-use, and special-purpose properties throughout Portland and the surrounding region. While headquartered in Texas, we are licensed to fund commercial loans across Oregon with the same speed and flexibility our Texas clients depend on.
What we look at when underwriting a deal here
Oregon commercial property is led by the Portland metropolitan area — semiconductor manufacturing on the west side, distribution, and a large food and beverage sector — with Eugene and Corvallis university demand, Bend tourism and in-migration, and agriculture through the Willamette Valley.
Oregon has no general sales tax and taxes rental and business income at high graduated rates. It also applies a corporate activity tax on commercial receipts.
Oregon is generally a non-judicial foreclosure state for trust deeds. Statewide land use planning and urban growth boundaries constrain supply in a way that few other states replicate, which supports existing improved property.
General information about the Oregon 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 | Portland, Oregon | Direct Lender Since 1998
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