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If you got any questions, please do not hesitate to send us a message. We reply within 24 hours!
For your convenience, we can provide all information and loan processing right over the phone.
If you got any questions, please do not hesitate to send us a message. We reply within 24 hours!
For your convenience, we can provide all information and loan processing right over the phone.
We work with commercial mortgage brokers, residential agents, financial advisors, and CPAs across Texas. When your client needs a commercial loan we can close, you earn a referral fee at closing — no license required.
Paid directly to you at closing. No waiting, no invoices. We handle all paperwork.
You get a direct line to the decision-maker. Term sheet in 24–48 hours, not 2 weeks.
Your relationship stays yours. We close the deal and you stay in the loop the whole way.
Referral arrangements are available to anyone in Texas. CPAs, attorneys, agents — all welcome.
Office, retail, industrial, multifamily, mixed-use, land, hard money — we cover all of it.
No middle-man, no broker chain. We underwrite in-house, so we know immediately if we can close.
Email or call with the property address, loan amount, and what the borrower needs. Takes 2 minutes.
You get a preliminary term sheet or a clear "no" — never left wondering. No wasted client time.
We handle everything from here. You stay copied on key milestones so your client stays happy with you.
Referral fee wired at closing. Simple, clean, and no paperwork headaches on your end.
"I had a client with a $1.2M warehouse purchase that kept getting turned down by conventional lenders. Sent it to Commercial Loans of Texas on a Friday — had a term sheet Monday morning. Closed in 19 days. My client was thrilled and I had a new referral source for life."
— Commercial real estate agent, Houston TXNo obligation. We'll tell you in 24 hours if we can close it, what the rate looks like, and what your referral fee would be. Most brokers send us 3–4 deals a month once they see how fast we move.
Commercial real estate loans for dealerships selling, leasing, and servicing bulldozers, excavators, cranes, skid steers, and other heavy machinery across Texas.
Heavy equipment dealerships carry real estate requirements that neither a conventional auto dealership nor a general industrial building fully accounts for. Reinforced concrete yards rated for tracked and wheeled loads well beyond passenger vehicle weight, service bays built around overhead cranes and in-ground lifts sized for multi-ton machines, parts warehousing for high-value inventory, and outdoor storage yards with security fencing and lighting are all standard requirements for a functioning dealership. Lenders unfamiliar with the equipment-dealer business model often underwrite the real estate as generic industrial space, missing both the specialized improvements that add real value and the site characteristics — drainage, load-bearing capacity, highway or rail access for equipment delivery — that actually drive a location's usefulness to the business.
Commercial Loans of Texas underwrites heavy equipment dealer real estate on its own terms: the yard capacity, the service bay configuration, and the dealership's actual sales and rental revenue, not a generic industrial comp that ignores what makes the property work for this specific use.
Financing for showroom, service, and yard facilities for dealers representing manufacturers or selling used construction and earthmoving equipment.
Real estate for equipment rental operations — secured outdoor storage, wash-down pads, and maintenance shops for fleets that rotate between job sites.
Combine, tractor, and implement dealerships with large parts inventories and service departments built around farm-season demand cycles.
Cash-out refinance to fund a second location, or acquisition financing for a dealer buying an existing facility from a retiring owner.
Get a same-day term sheet for your yard, service center, or dealership acquisition.
Get Your Free QuoteWe've closed Texas commercial loans in as few as 7 business days. Here's exactly how the process works — and why we move faster than any bank you've tried.
Fill out our one-page application or call Daniel directly. We need the basics: property address, purchase price or loan amount, property type, and your exit strategy (or refinance goal). No financials required at this stage.
Daniel personally reviews every submission. You won't deal with a junior processor or an automated system.
We issue a non-binding term sheet with proposed loan amount, rate, LTV, and term. This is a real answer from a real decision-maker — not a "we'll get back to you" after a committee meeting.
If the deal needs structure (e.g., different LTV, IO period, partial release provisions), we discuss it now — not after you've spent $2,000 on an appraisal.
We order a third-party appraisal (or desktop BPO for smaller deals) and review property condition, title, rent rolls, and market comps. For income-producing properties, we underwrite to DSCR — not personal income.
We work in parallel with your attorney and title company. Most commercial lenders work sequentially — we don't. That's how we cut weeks off the timeline.
Once underwriting is complete, we issue a firm loan commitment letter — the binding agreement that says we will fund this loan at these terms. No more surprises at the closing table.
Conventional banks issue commitments only after 30–60 days of processing. Our commitment comes in week two — giving you time to negotiate, satisfy contingencies, or plan your rehab.
We coordinate directly with your title company to schedule closing. Funds wire the day of closing. Most of our loans close in 2–3 weeks total — some faster when the property and title are clean.
We remain your lender for the life of the loan. No loan servicing transfers. Same contact, same terms, same relationship — whether you're in month 3 or year 5.
We keep the paperwork minimal. Here's what's actually required for a standard commercial loan:
One short form. Daniel reviews it today and sends a term sheet within 24 hours. No commitment required.
Submit Your Deal →Commercial real estate loans for indoor and outdoor shooting ranges, firearms training centers, and retail gun shops across Texas.
An indoor range is one of the more heavily engineered tenant improvements in commercial real estate. Ballistic-rated backstops and baffling, bullet trap systems, HVAC engineered for lead-particulate air exchange and negative pressure containment, sound attenuation to meet local noise ordinances, and range separation walls rated for the calibers being fired all add real construction cost — and real value — well beyond a standard retail or warehouse build-out. Texas's strong firearms culture and comparatively favorable regulatory environment (no state-level ban on range operations, broad concealed and open carry law supporting a large training-and-practice customer base) make range and training facility real estate a durable, cash-flowing property type here in a way it isn't in every state.
Commercial Loans of Texas understands the business model — membership and lane-rental revenue, retail firearms and ammunition sales, and CHL/LTC and defensive training courses — and underwrites the real estate accordingly instead of treating it as unclassifiable specialty space.
Purchase financing for an existing range/retail building, including facilities being converted from prior industrial or warehouse use.
Construction-to-permanent financing for a purpose-built range, covering the ballistic and HVAC build-out along with the shell.
Combined retail, classroom, and lane real estate for FFL-licensed dealers offering CHL/LTC and defensive training courses.
Acreage and improvement financing for outdoor ranges, including berms, shooting bays, and clubhouse/office structures.
Get a same-day term sheet for your range, training center, or retail firearms real estate.
Get Your Free QuoteI've been in Texas commercial lending since the early 1990s — through the S&L crisis, the dot-com bust, 2008, COVID, and the rate spike of 2022–2023. I've seen every market cycle, and I've funded deals that banks walked away from in every single one of them.
What frustrated me about working inside large institutions was the bureaucracy. A small business owner with a great deal and real equity would get declined because of a DTI ratio calculated off a W-2 they didn't have. A real estate investor with 15 profitable rentals couldn't get loan #16 because of Fannie Mae's arbitrary 10-property cap.
I started Commercial Loans of Texas to be the lender I wished existed when I was a borrower. No committee. No 60-day wait for a "no." No junior underwriters who've never seen a real property. Just a direct decision from someone who's been doing this for three decades.
We focus exclusively on Texas because I know this market. I know what DFW cap rates look like in a correction. I know which Houston submarkets hold value. I know the Texas foreclosure process cold. That local knowledge is what lets me say yes faster and with more confidence than any out-of-state lender can.
"The most important thing in commercial lending isn't the borrower's credit score — it's the deal. A great property with strong equity and a clear exit strategy is fundable. I've said yes to borrowers with 580 credit scores on deals banks wouldn't touch, and I've said no to borrowers with 780 scores on deals that didn't make sense. The property is the collateral. That's what I underwrite."
Submit your deal and Daniel personally reviews every application that comes through. No junior staff, no auto-denials. A real human decision from someone who knows Texas commercial real estate.
Submit Your Deal →Commercial real estate loans for trucking company terminals, freight cross-dock facilities, and fleet maintenance yards — not to be confused with roadside travel-plaza truck stops.
A trucking or freight company's own terminal is a different property from the fuel-and-food travel plazas along the interstate. It's the base of operations: a paved trailer and tractor storage yard, a maintenance shop with in-ground or above-ground lifts and diesel-rated bay doors, a fuel island for the company's own fleet, driver facilities, and often a small dispatch/office building. Texas's position as a national freight hub — I-35, I-45, and I-10 corridors, the Laredo and El Paso border crossings, and the DFW/Houston distribution markets — makes this a durable, high-demand property type for carriers, freight brokers, and logistics companies headquartered or operating out of the state.
Commercial Loans of Texas finances the real estate a carrier actually needs to operate — yard capacity, maintenance infrastructure, and dispatch/office space — evaluated against the company's freight volume and route structure, not generic industrial comps that miss what drives the property's value to a trucking operation.
Purchase or refinance of an existing terminal yard for an owner-operator fleet or regional carrier.
Construction or renovation financing for diesel-rated service bays, lifts, and parts storage for in-house fleet maintenance.
Financing for LTL and freight-brokerage cross-dock facilities with multiple dock doors and trailer staging yards.
Land and paving financing for secured trailer, chassis, and intermodal container storage near port and rail hubs.
Get a same-day term sheet for your terminal, maintenance shop, or trailer storage yard.
Get Your Free Quote