Commercial Loans of Texas funds commercial real estate loans throughout The Woodlands and the North Houston corridor. As a direct lender since 1998, we serve investors and business owners in one of Texas’s most affluent commercial markets — with fast closings, flexible underwriting, and no upfront fees.
Call us today: 877-895-3634
Commercial Loan Programs in The Woodlands
SBA Loans The Woodlands TX
SBA 7(a) and SBA 504 loans for The Woodlands small businesses purchasing or refinancing owner-occupied commercial real estate. Medical, professional services, retail, and office — loan amounts to $5 million.
Hard Money Loans The Woodlands
Fast-close hard money lending for The Woodlands commercial real estate investors. Close in 7-10 days with no income verification. Ideal for retail, medical office, and time-sensitive acquisitions.
DSCR Loans The Woodlands TX
Investment property loans for The Woodlands rental and commercial properties. Qualify on property income — no W-2s or tax returns required.
Bridge Loans The Woodlands
Short-term commercial bridge financing for The Woodlands acquisitions and value-add projects. 6 to 24-month terms.
Stated Income Commercial Loans The Woodlands
No-doc and stated income commercial loans for The Woodlands self-employed borrowers, investors, and business owners.
Why The Woodlands Investors Choose Commercial Loans of Texas
- Direct lender since 1998 — in-house decisions, no middleman
- North Houston market knowledge — we understand The Woodlands commercial submarket
- Fast approvals — 24-48 hour decisions
- No upfront fees — you pay nothing until your loan closes
The Woodlands Commercial Properties We Finance
- Medical and professional office
- Retail centers and restaurants
- Office parks and corporate facilities
- Industrial and warehouse (nearby I-45 corridor)
- Multifamily (5+ units)
- Mixed-use and hospitality
North Houston Service Area
We serve borrowers throughout The Woodlands and surrounding North Houston communities including Conroe, Spring, Tomball, Cypress, Kingwood, Porter, and the Lake Houston area.
Phone: 877-895-3634 | Apply Online
Commercial Loans of Texas — Direct lender serving The Woodlands and North Houston since 1998.
Why Commercial Real Estate Investors Choose The Woodlands in 2026
The Woodlands is Houston’s premier master-planned community, with active deal flow in Town Center, Hughes Landing, and Research Forest. Investors are financing Class A office, retail, and multifamily in Montgomery County using hard money, DSCR, and stated income programs — all available from Commercial Loans of Texas with no tax returns required and closes in as few as 7-14 days.
2026 Commercial Loan Rates in The Woodlands
- Hard Money: 9.5%–12%, 12-24 month terms, close in 7-14 days
- DSCR Loans: 7.25%–9.5%, 30-year amortization, qualify on cash flow
- Stated Income: 8%–10.5%, no tax returns, bank statements only
- SBA 7(a): 6.75%–8%, 25-year terms, 10% down
- Bridge Loans: 9%–11.5%, interest only, 6-24 months
Fast Approval Process for The Woodlands Borrowers
Our in-house underwriting means no bank committee delays. Submit your deal today and get a same-day Letter of Intent. We close most The Woodlands commercial loans in 14-21 days — some hard money deals in as few as 7. Call 877-895-3634 or apply online for a free quote.
USDA Business and Industry Loans Near The Woodlands, Texas
The USDA Business and Industry (B&I) Guaranteed Loan Program provides long-term commercial financing for businesses and commercial real estate in eligible rural Texas communities near The Woodlands. USDA B&I loans offer terms that standard commercial loans cannot match: up to 80% LTV, 30-year fully amortized terms, fixed rates, and an 80% federal guarantee that enables more competitive pricing than conventional programs. For commercial properties in USDA-eligible rural communities in the The Woodlands region, this program is often the best financing available.
USDA B&I eligibility is based on the property’s location — generally communities under 50,000 population that are not in an urbanized commuting area. Many smaller communities surrounding The Woodlands qualify. We confirm eligibility in minutes and handle the full USDA application process on your behalf — no federal bureaucracy for you to navigate. Call 877-895-3634 or learn more about our USDA B&I loan program to see if your property qualifies.