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 › Sacramento, CA
Banks in Sacramento 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 California 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 Sacramento and California.
For borrowers with strong financials, our conventional commercial mortgage program offers competitive rates on office, retail, multifamily, industrial, and mixed-use properties across Sacramento, California.
Lock in your rate for the long haul. Our 30-year fixed commercial program gives Sacramento property owners stable, predictable payments and the benefits of a long amortization — maximizing cash flow.
When your Sacramento 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 Sacramento and all of California. Our loan officers understand California commercial real estate markets and can structure loans for multifamily, retail, office, industrial, mixed-use, and special-purpose properties throughout Sacramento and the surrounding region. While headquartered in Texas, we are licensed to fund commercial loans across California with the same speed and flexibility our Texas clients depend on.
What we look at when underwriting a deal here
California is the largest and most segmented commercial market in the country: port-driven industrial in the Inland Empire and Long Beach, technology office in the Bay Area, entertainment and creative space in Los Angeles, and agricultural and processing property throughout the Central Valley.
California has the highest top marginal income tax rate in the nation and taxes rental and business income accordingly, so after-tax yield analysis matters more here than almost anywhere else.
California is a non-judicial foreclosure state in practice, but Proposition 13 reassessment on transfer, local transfer taxes, and entitlement timelines are the real underwriting variables — they affect a deal's economics more than the loan terms do.
General information about the California 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 | Sacramento, California | Direct Lender Since 1998
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