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 › Yankton, SD
Banks in Yankton 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 South 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 Yankton and South Dakota.
For borrowers with strong financials, our conventional commercial mortgage program offers competitive rates on office, retail, multifamily, industrial, and mixed-use properties across Yankton, South Dakota.
Lock in your rate for the long haul. Our 30-year fixed commercial program gives Yankton property owners stable, predictable payments and the benefits of a long amortization — maximizing cash flow.
When your Yankton 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 Yankton and all of South Dakota. Our loan officers understand South Dakota commercial real estate markets and can structure loans for multifamily, retail, office, industrial, mixed-use, and special-purpose properties throughout Yankton and the surrounding region. While headquartered in Texas, we are licensed to fund commercial loans across South Dakota with the same speed and flexibility our Texas clients depend on.
What we look at when underwriting a deal here
South Dakota commercial property is anchored by Sioux Falls financial services and healthcare, Rapid City tourism serving the Black Hills, and agriculture and food processing across the eastern half of the state.
South Dakota has no state personal or corporate income tax, so rental and business income is untaxed at the state level. There is no state-level income tax filing obligation for out-of-state owners.
South Dakota is primarily a non-judicial foreclosure state for trust deeds. Its tax posture makes it disproportionately attractive for entity-held commercial ownership relative to its market size.
General information about the South 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 | Yankton, South Dakota | Direct Lender Since 1998
Tell us where to send it and you’ll have written terms the same business day.
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📞 877-895-3634 Mon–Thu 9–5 · Fri 9–12 CTNo SSN • No upfront fees • No obligation either way