Commercial Loans Texas — No Tax Returns. All 254 Counties.
Texas direct commercial lender since 1998 — hard money, DSCR, stated income, bridge, construction, land.
Bad credit OK. Foreign nationals welcome. No upfront fees. Same-day LOI.
Some programs offer rates below bank rates with terms up to 30 years fully amortized.
Why Texas Borrowers Call Us Instead of a Bank
Banks decline more commercial loans than they approve. Two years of tax returns, clean credit, and 90 days of underwriting — just to get a no. We built our lending programs around the borrowers banks turn away.
No Tax Returns
DSCR loans qualify on rental income alone. Stated income and hard money programs need no personal income verification at all.
All Credit Welcome
500 or 800+ — bad credit, past bankruptcy, foreclosure. Property value and equity drive approval on most programs.
Foreign Nationals
International investors and non-US citizens. Asset-based approval — no US credit history or tax returns required.
Beat the Bank
Some programs offer rates lower than many banks AND 30-year fully amortized terms. No balloon, no ARM risk.
Same-Day LOI
Letter of intent issued the same day you call. No months of back-and-forth before you know where you stand.
No Upfront Fees
No application fee, no processing fee. Nothing out of pocket to get a quote or LOI.
Commercial Loan Programs Available Statewide
Every program below closes in all 254 Texas counties. Direct lender — no brokers, no middlemen.
Hard Money Loans
Asset-based approval. No credit check, no income docs. Fast close on all commercial property types.
Learn more →DSCR & Income-Producing
Qualify on rental income alone. Multifamily, retail, office, industrial. No personal returns.
Learn more →Stated Income
Self-employed borrowers with no documentable income. No verification required.
Learn more →Commercial Cash-Out
Pull equity from property you own. Up to 80% LTV. Land qualifies. No income docs on most programs.
Learn more →Land Loans
Raw land, lots, commercial parcels. No tax returns. Banks won’t do it — we will.
Learn more →Bridge Loans
Short-term asset-based financing. 6–24 month terms. No credit check. Same-day LOI.
Learn more →Construction Loans
Ground-up commercial construction. Draw schedules. Land + construction in one loan.
Learn more →30-Year Fixed
Long-term fully amortized. Rates competitive with banks. No balloon. DSCR qualification.
Learn more →We Lend in Every Texas Market
From the Permian Basin to the Gulf Coast. Direct lender in all 254 counties since 1998.
Who Qualifies
If any of these describe you, call us — we can likely help.
Self-employed with commercial property — income too low on paper for bank approval
Own income-producing property and want to qualify on rental income, not personal returns
Any credit score — past bankruptcy or foreclosure — asset and equity drive approval
Foreign national or international investor buying commercial property anywhere in Texas
Need to close fast — deal won’t wait 60–90 days for bank underwriting
Broker with a Texas client who needs commercial financing — we pay referral fees
Common Questions
What Texas commercial borrowers ask before calling.
Searching for commercial loans near me in Texas?
Yes — we’re a Texas direct lender in all 254 counties since 1998. No tax returns required, bad credit OK, foreign nationals welcome. Houston, Dallas, San Antonio, Austin, Fort Worth, and every city in between. Same-day LOI, no upfront fees. Call us with your property and we’ll tell you what you qualify for today.
What is the minimum loan amount?
$150,000 minimum on most programs. Some hard money and bridge programs start lower for the right deal. Call us with your numbers and we’ll give you a straight answer.
How fast can you close?
Same-day LOI. Closings typically run 2–4 weeks on most programs. Hard money bridge loans can close faster. DSCR permanent loans take a bit longer but are still far faster than a bank.
Do you really lend to bad credit borrowers?
Yes. On hard money and asset-based programs there is no credit minimum. We’ve funded borrowers with FICO scores in the 400s when the deal — the equity, the property value, the exit strategy — made sense. Your credit score is not the deciding factor on these programs.
Get Your Texas Commercial Loan LOI Today
Tell us about your property — same-day letter of intent, no upfront fees.
No tax returns. All credit welcome. All 254 Texas counties.