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 › St. Albans, VT
Banks in St. Albans 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 Vermont 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 St. Albans and Vermont.
For borrowers with strong financials, our conventional commercial mortgage program offers competitive rates on office, retail, multifamily, industrial, and mixed-use properties across St. Albans, Vermont.
Lock in your rate for the long haul. Our 30-year fixed commercial program gives St. Albans property owners stable, predictable payments and the benefits of a long amortization — maximizing cash flow.
When your St. Albans 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 St. Albans and all of Vermont. Our loan officers understand Vermont commercial real estate markets and can structure loans for multifamily, retail, office, industrial, mixed-use, and special-purpose properties throughout St. Albans and the surrounding region. While headquartered in Texas, we are licensed to fund commercial loans across Vermont with the same speed and flexibility our Texas clients depend on.
What we look at when underwriting a deal here
Vermont commercial property is concentrated in the Burlington area — university, healthcare, and a well-known food and beverage sector — with ski and hospitality property throughout the mountain towns and dairy and agriculture statewide.
Vermont taxes rental and business income at graduated rates and carries a high property tax burden, with a statewide education property tax layered onto municipal rates.
Vermont is a judicial foreclosure state, and Act 250 land use review can affect development and change-of-use timelines. Hospitality income here is strongly seasonal and should be tested against the shoulder seasons.
General information about the Vermont 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 | St. Albans, Vermont | Direct Lender Since 1998
Tell us where to send it and you’ll have written terms the same business day.
✓ No credit pull needed for a written quote
or talk to a decision-maker right now
📞 877-895-3634 Mon–Thu 9–5 · Fri 9–12 CTNo SSN • No upfront fees • No obligation either way