Construction Loans Texas — No Tax Returns Required
Ground-up commercial construction financing statewide.
We lend where banks won’t — bad credit OK, foreign nationals welcome, no income verification required.
Land + construction in one loan. Draw schedules. Same-day LOI. Direct lender since 1998.
Commercial Construction Financing Without the Bank Headaches
Banks require perfect credit, full income documentation, and months of underwriting before your project can start. We move faster and approve borrowers banks decline.
No Tax Returns Required
No W-2s, no 2 years of returns. Approval based on the project, the land value, and your equity — not your income history.
All Credit Welcome
Bad credit, past bankruptcy, or foreclosure. We work with all credit profiles — project viability and equity drive approval.
Land + Construction in One Loan
Acquire the land and fund the build in a single loan. No need to close separately on the land before breaking ground.
Draw Schedule Funding
Funds released in draws as construction milestones are met. You pay interest only on what’s been drawn — not the full loan amount.
Foreign Nationals Welcome
International developers and investors building commercial real estate in Texas. Asset-based approval, no US credit history required.
Same-Day LOI
Tell us about your project and we issue a letter of intent the same day. No months of back-and-forth before you know where you stand.
Construction Loan Programs We Close
Every program below closes right here in Texas. Direct lender, no middlemen, all counties.
Ground-Up Commercial
New construction of retail, office, industrial, or mixed-use commercial buildings. Draws released per construction schedule.
Multifamily Construction
New apartment buildings, townhome projects, and mixed-use with residential. Qualify on projected rental income at stabilization.
Land + Construction
Acquire the land and fund the build in one loan. Close once — no separate land acquisition financing needed.
Spec & Investor Builds
Spec commercial builds and investor-driven ground-up projects. No owner-occupancy requirement.
Construction-to-Perm
Construction phase transitions directly to permanent financing at completion. Lock in the long-term rate at the start.
Construction Bridge
Short-term construction financing that bridges to permanent once the project stabilizes. 12–24 month terms.
Who Qualifies
If any of these describe you, call us — we can likely help.
Developer or investor with a viable project but income that looks low on paper
Bad credit or past bankruptcy — project viability and equity drive our approval
Foreign national developer building commercial real estate in Texas
Own land and want to roll it into a construction loan without refinancing separately
Need to start construction quickly — deal won’t wait for bank committee approval
Broker with a developer client who needs construction financing — we pay referral fees
Common Questions
What developers and investors ask before calling.
Searching for a construction loan near me in Texas?
Yes — we’ve been funding commercial construction loans across Texas since 1998. Houston, Dallas, San Antonio, Austin, Fort Worth, and every county statewide. No tax returns required, bad credit OK, foreign nationals welcome. Same-day LOI, no upfront fees. Call us and we’ll tell you if your project qualifies today.
How do construction loan draw schedules work?
Funds are released in stages as construction milestones are completed — foundation, framing, rough-in, drywall, completion. You pay interest only on drawn funds, not the full loan amount, which keeps carrying costs down during construction. We set the draw schedule based on your project plan at closing.
Can I roll the land into the construction loan?
Yes — our land + construction program acquires the land and funds the build in a single loan. If you already own the land, it typically serves as equity toward the construction loan. One close, one set of fees, one lender for the entire project.
Do I need good credit for a construction loan?
Not on our asset-based programs. We look at the project viability, the land value, and your equity position. Past bankruptcy, foreclosure, or low FICO score does not automatically disqualify you. Call us with your project details and we’ll give you a straight answer.
Get Your Construction Loan LOI Today
Tell us about your project — same-day letter of intent, no upfront fees.
No tax returns. All credit welcome. All Texas counties.