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.
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Banks in Tacoma 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 Washington 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 Tacoma and Washington.
For borrowers with strong financials, our conventional commercial mortgage program offers competitive rates on office, retail, multifamily, industrial, and mixed-use properties across Tacoma, Washington.
Lock in your rate for the long haul. Our 30-year fixed commercial program gives Tacoma property owners stable, predictable payments and the benefits of a long amortization — maximizing cash flow.
When your Tacoma 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 Tacoma and all of Washington. Our loan officers understand Washington commercial real estate markets and can structure loans for multifamily, retail, office, industrial, mixed-use, and special-purpose properties throughout Tacoma and the surrounding region. While headquartered in Texas, we are licensed to fund commercial loans across Washington with the same speed and flexibility our Texas clients depend on.
What we look at when underwriting a deal here
Washington commercial property is led by the Seattle and Bellevue technology, office, and multifamily market, port and aerospace manufacturing throughout the Puget Sound region, and agriculture, food processing, and data centers east of the Cascades around Spokane and the Columbia Basin.
Washington has no personal income tax on wages or rental income, but it levies a business and occupation tax on gross receipts and a graduated real estate excise tax on sale — the latter is a significant exit cost.
Washington is a non-judicial foreclosure state for deeds of trust. Model the graduated real estate excise tax on disposition from day one; on a large commercial sale it is not a minor line.
General information about the Washington 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 | Tacoma, Washington | Direct Lender Since 1998
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