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Home › Richmond, KY
Banks in Richmond 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 Kentucky 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 Richmond and Kentucky.
For borrowers with strong financials, our conventional commercial mortgage program offers competitive rates on office, retail, multifamily, industrial, and mixed-use properties across Richmond, Kentucky.
Lock in your rate for the long haul. Our 30-year fixed commercial program gives Richmond property owners stable, predictable payments and the benefits of a long amortization — maximizing cash flow.
When your Richmond 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 Richmond and all of Kentucky. Our loan officers understand Kentucky commercial real estate markets and can structure loans for multifamily, retail, office, industrial, mixed-use, and special-purpose properties throughout Richmond and the surrounding region. While headquartered in Texas, we are licensed to fund commercial loans across Kentucky with the same speed and flexibility our Texas clients depend on.
What we look at when underwriting a deal here
Kentucky commercial real estate is driven by air cargo and logistics — the state hosts one of the largest air freight hubs in the world — plus automotive assembly, bourbon production and warehousing, the Louisville and Lexington metropolitan cores, and equine-related property in the Bluegrass region.
Kentucky taxes rental and business income at a flat rate that has been declining, and its overall cost of doing business remains below the national average.
Kentucky is a judicial foreclosure state. Bourbon rickhouses and specialized agricultural improvements are common collateral here and require a lender who understands how to value single-purpose property.
General information about the Kentucky 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 | Richmond, Kentucky | Direct Lender Since 1998
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