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Home › Saint Paul, MN
Banks in Saint Paul 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 Minnesota 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 Saint Paul and Minnesota.
For borrowers with strong financials, our conventional commercial mortgage program offers competitive rates on office, retail, multifamily, industrial, and mixed-use properties across Saint Paul, Minnesota.
Lock in your rate for the long haul. Our 30-year fixed commercial program gives Saint Paul property owners stable, predictable payments and the benefits of a long amortization — maximizing cash flow.
When your Saint Paul 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 Saint Paul and all of Minnesota. Our loan officers understand Minnesota commercial real estate markets and can structure loans for multifamily, retail, office, industrial, mixed-use, and special-purpose properties throughout Saint Paul and the surrounding region. While headquartered in Texas, we are licensed to fund commercial loans across Minnesota with the same speed and flexibility our Texas clients depend on.
What we look at when underwriting a deal here
Minnesota commercial real estate is anchored by the Twin Cities — headquarters of an unusually large concentration of major corporations — plus the Rochester medical complex, Duluth port and shipping, and agriculture and food processing across the southern counties.
Minnesota taxes rental and business income at high graduated rates and applies a commercial-industrial property classification that taxes commercial property at a higher rate than residential.
Minnesota is primarily a non-judicial foreclosure state with a redemption period after sale. The commercial property tax classification is the line most often underestimated on a first Minnesota underwriting.
General information about the Minnesota 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 | Saint Paul, Minnesota | Direct Lender Since 1998
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