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  • ✓ Direct lender since 1998
  • ✓ No upfront fees
  • ✓ Close in 7–21 days
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Home › Terre Haute, IN

Commercial Loans & Commercial Mortgage in Terre Haute, Indiana

Commercial real estate in Terre Haute, Indiana moves fast — and your financing needs to keep up. Commercial Loans of Texas is a direct lender with over 25 years of experience funding commercial mortgage deals that banks turn away. We work with investors, business owners, and developers across Indiana who need fast approvals, flexible terms, and a lender who actually picks up the phone.

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✓ Direct Lender Since 1998 ✓ No Upfront Fees ✓ 48-Hour Approvals ✓ All Credit Welcome ✓ No Tax Returns Required

Loan Programs Available in Terre Haute

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Stated Income Loans

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 Terre Haute and Indiana.

  • No tax returns required
  • Bank statements accepted
  • All credit scores considered
  • Close in 2–3 weeks
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Conventional Commercial Mortgage

For borrowers with strong financials, our conventional commercial mortgage program offers competitive rates on office, retail, multifamily, industrial, and mixed-use properties across Terre Haute, Indiana.

  • Competitive fixed rates
  • Amortizations to 25 years
  • Multi-family & commercial
  • From $250K
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30-Year Fixed Commercial

Lock in your rate for the long haul. Our 30-year fixed commercial program gives Terre Haute property owners stable, predictable payments and the benefits of a long amortization — maximizing cash flow.

  • Fully amortized 30 years
  • Fixed rate — no surprises
  • Refinance or purchase
  • SFR to large commercial
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Working Capital Loans

When your Terre Haute 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.

  • Up to $5M available
  • 48-hour approvals
  • No collateral on many programs
  • All business types

Why Terre Haute Borrowers Choose Us

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No Upfront Fees
We never charge application, processing, or commitment fees before closing.
⚡
48-Hour Approvals
Direct lender decisions — no committees, no weeks of waiting.
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Real People Answer
Call and reach a loan officer. Mon–Fri 8 AM–6 PM CT.
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Written Letter of Intent
We issue a written LOI so you can compare terms before committing.

Serving Terre Haute and all of Indiana. Our loan officers understand Indiana commercial real estate markets and can structure loans for multifamily, retail, office, industrial, mixed-use, and special-purpose properties throughout Terre Haute and the surrounding region. While headquartered in Texas, we are licensed to fund commercial loans across Indiana with the same speed and flexibility our Texas clients depend on.

Lending in Terre Haute, Indiana

What we look at when underwriting a deal here

Indiana commercial property

Indiana commercial property is built on logistics — the state sits at the intersection of several major interstates and calls itself the Crossroads of America — plus automotive and pharmaceutical manufacturing, Indianapolis office and medical, and university-driven demand in Bloomington and West Lafayette.

Tax posture for Indiana owners

Indiana taxes income at a low flat rate, applies constitutional caps to property tax, and imposes no real estate transfer tax — a combination that produces unusually predictable operating costs.

What this means for your loan

Indiana is a judicial foreclosure state, but its property tax caps and low transaction costs make it one of the more investor-legible Midwestern markets for commercial ownership.

General information about the Indiana market, not legal or tax advice. Confirm specifics with your own counsel and accountant before closing.

Ready to Get Started?

Get a Written Quote for Your Terre Haute Commercial Loan

No upfront fees • No obligation • Decision in 48 hours

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Mon–Fri 8 AM–6 PM CT  |  Terre Haute, Indiana  |  Direct Lender Since 1998

Service Areas: Houston | Dallas | Austin | San Antonio | Fort Worth | Near Me TX Construction Rates
Common Questions: Credit Score Required | How Long to Close | Hard Money vs DSCR | Bad Credit OK | DSCR Requirements | No Income Verification | Minimum Down Payment | Documents Required
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