Commercial Loans San Antonio TX
No Tax Returns — All Credit — DSCR & Hard Money
San Antonio’s direct commercial lender since 1998 — Downtown, Pearl District, Medical Center, Stone Oak, and every Bexar County submarket.
DSCR loans qualify on property income alone — no personal tax returns.
Hard money programs approve on the asset — no income check, no credit minimum. Some programs offer rates below bank rates with terms up to 30 years.
San Antonio Commercial Lending — Where Banks Fall Short, We Close
San Antonio’s commercial real estate market spans military-adjacent retail, healthcare real estate, tourism corridor properties, and fast-growing suburban submarkets. Banks are slow and selective. We’ve been funding San Antonio deals since 1998.
📄 DSCR — No Personal Tax Returns
Qualify on the property’s rental income. Multifamily, retail, office, and medical commercial — if the rent covers the payment, you qualify regardless of personal income.
📄 Hard Money — Asset-Based Approval
No income verification, no credit minimum. Approval based on property value and equity. Acquisitions, bridge, and value-add deals statewide.
💳 All Credit Welcome
500 or 800+ — bad credit, past bankruptcy, foreclosure. Property value and equity drive approval on most programs.
⚡ Same-Day LOI
Letter of intent issued the same day you call. No weeks of bank committee underwriting to find out where you stand.
🌐 Foreign Nationals Welcome
Non-US citizens and international investors buying or refinancing San Antonio commercial real estate. Asset-based, no US credit history required.
💰 No Upfront Fees
No application fee, no processing fee. Nothing out of pocket to get a quote or LOI.
📈 Beat the Bank — Rate & Term
Some programs offer rates lower than many banks AND terms up to 30 years fully amortized. Better rate, longer term, no balloon.
Loan Programs We Close in San Antonio
Every program below closes right here in Texas. Direct lender, no middlemen, all Bexar County submarkets.
Multifamily & Apartment Loans
5+ units to large complexes. DSCR qualification on rental income — no personal returns. Near Southside, Stone Oak, Converse, Universal City.
Retail & Strip Centers
Strip malls, storefronts, tourist corridor commercial. Qualify on lease income. Pearl District, Medical Center, all Bexar County.
Medical & Office
Medical office, professional buildings, and single-tenant commercial. South Texas Medical Center and suburban locations.
Industrial & Warehouse
South San Antonio industrial corridor, flex space, and distribution. All credit, fast close, all Bexar County.
Hard Money & Bridge Loans
Short-term asset-based financing for acquisitions, value-add, and time-sensitive deals. 6–24 month terms. No credit check.
Cash-Out Refinance
Pull equity from commercial property you own. No seasoning, no income docs on most programs. Land qualifies.
Ready to close your San Antonio deal?
Same-day LOI — no upfront fees — no tax returns required.
Who This Is For
If any of these describe your situation, call us today.
Own income-producing property in San Antonio and can’t bank-qualify because income looks low on paper
Multifamily or commercial investor who wants to qualify on rental income, not personal tax returns
Any credit score — past bankruptcy or foreclosure — asset and equity drive approval
Foreign national or international investor buying or refinancing commercial property in San Antonio or Bexar County
Need to close fast — your deal won’t wait 60–90 days for bank underwriting
Broker with a San Antonio client who needs commercial financing — we pay referral fees
Common Questions
What San Antonio borrowers ask before calling.
Searching for a commercial loan near me in San Antonio?
Yes — we’ve been funding San Antonio commercial deals since 1998. Downtown, Pearl District, Medical Center, Stone Oak, Leon Valley, Helotes, New Braunfels, and every Bexar County submarket. No tax returns required, bad credit OK, foreign nationals welcome. Same-day LOI, no upfront fees.
Do you lend on medical office and healthcare real estate in San Antonio?
Yes. Medical office, dental offices, outpatient clinics, and healthcare-adjacent commercial properties near the South Texas Medical Center and surrounding submarkets. DSCR programs qualify on lease income — no personal tax returns required.
Do you lend to foreign nationals in San Antonio?
Yes. International investors and non-US citizens qualify on our asset-based programs. No US credit history or US tax returns required. We’ve closed loans for foreign nationals throughout Texas — call us and we’ll walk through which programs apply.
How fast can you close a San Antonio commercial loan?
Same-day LOI. Closings typically run 2–4 weeks — far faster than the 60–90 days a bank takes. If your deal has a deadline, call us first.
Get Your San Antonio Loan LOI Today
Tell us about your property — same-day letter of intent, no upfront fees.
No tax returns. All credit welcome. DSCR and hard money programs available.
Frequently Asked Questions About Texas Commercial Loans
- › What credit score do I need?
- › How long does it take to close?
- › Hard money vs DSCR — which is better?
- › Can I get a loan with bad credit?
- › DSCR loan requirements 2026
- › No income verification loans
- › How do stated income loans work?
- › What documents are required?
- › SBA loan vs hard money
- › How to refinance a commercial property