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Home › West Valley City, UT
Banks in West Valley City 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 Utah 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 Valley City and Utah.
For borrowers with strong financials, our conventional commercial mortgage program offers competitive rates on office, retail, multifamily, industrial, and mixed-use properties across West Valley City, Utah.
Lock in your rate for the long haul. Our 30-year fixed commercial program gives West Valley City property owners stable, predictable payments and the benefits of a long amortization — maximizing cash flow.
When your West Valley City 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 Valley City and all of Utah. Our loan officers understand Utah commercial real estate markets and can structure loans for multifamily, retail, office, industrial, mixed-use, and special-purpose properties throughout West Valley City and the surrounding region. While headquartered in Texas, we are licensed to fund commercial loans across Utah with the same speed and flexibility our Texas clients depend on.
What we look at when underwriting a deal here
Utah commercial property centers on the Wasatch Front — Salt Lake City distribution, finance, and technology along the Silicon Slopes corridor through Provo and Lehi — plus Ogden manufacturing and logistics and St. George in-migration and hospitality.
Utah taxes rental and business income at a single low flat rate and imposes no real estate transfer tax, producing one of the cleanest cost structures in the Mountain West.
Utah is a non-judicial foreclosure state using trust deeds. Sustained population and employment growth along the Wasatch Front means income frequently outpaces the comparable sales record.
General information about the Utah 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 Valley City, Utah | Direct Lender Since 1998
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