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 › West Fargo, ND
Banks in West Fargo 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 North Dakota 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 West Fargo and North Dakota.
For borrowers with strong financials, our conventional commercial mortgage program offers competitive rates on office, retail, multifamily, industrial, and mixed-use properties across West Fargo, North Dakota.
Lock in your rate for the long haul. Our 30-year fixed commercial program gives West Fargo property owners stable, predictable payments and the benefits of a long amortization — maximizing cash flow.
When your West Fargo 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 West Fargo and all of North Dakota. Our loan officers understand North Dakota commercial real estate markets and can structure loans for multifamily, retail, office, industrial, mixed-use, and special-purpose properties throughout West Fargo and the surrounding region. While headquartered in Texas, we are licensed to fund commercial loans across North Dakota with the same speed and flexibility our Texas clients depend on.
What we look at when underwriting a deal here
North Dakota commercial property is shaped by Bakken energy production and the service and housing demand that follows it, agriculture and grain handling, Fargo technology and healthcare, and cross-border trade with Canada.
North Dakota taxes rental and business income at low graduated rates and imposes no real estate transfer tax, making it one of the cheaper states in which to transact.
North Dakota is a judicial foreclosure state. Energy-linked submarkets can move sharply with commodity cycles, so a lender should stress-test occupancy against a downturn rather than trailing-twelve performance alone.
General information about the North Dakota 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 | West Fargo, North Dakota | Direct Lender Since 1998
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