★★★★★ 4.8 Google Reviews   |   ✓ Direct Lender Since 1998   |   ✓ No Upfront Fees   |   ✓ 48-Hour Approvals   |   ✓ All Credit Welcome

Contact Us

Get In Touch

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.

Our Email

texlend@gmail.com

Our Phone

877-895-3634

Our Hotline

(877) TX-LENDING

Service Areas: Houston | Dallas | Austin | San Antonio | Fort Worth | Near Me TX Construction Rates
Common Questions: Credit Score Required | How Long to Close | Hard Money vs DSCR | Bad Credit OK | DSCR Requirements | No Income Verification | Minimum Down Payment | Documents Required
✆ Call 877-895-3634 📄 Free Quote
Broker & Referral Partners

Your Clients Get Funded.
You Get Paid. Fast.

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.

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Referral Fees at Closing

Paid directly to you at closing. No waiting, no invoices. We handle all paperwork.

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Fast Answers, No Runaround

You get a direct line to the decision-maker. Term sheet in 24–48 hours, not 2 weeks.

🤝

We Never Poach Your Client

Your relationship stays yours. We close the deal and you stay in the loop the whole way.

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No License Required

Referral arrangements are available to anyone in Texas. CPAs, attorneys, agents — all welcome.

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All Property Types

Office, retail, industrial, multifamily, mixed-use, land, hard money — we cover all of it.

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Direct Lender = Real Answers

You deal with the decision-maker, not a chain. We underwrite in-house, so we know immediately if we can close.

Step 01

Send Us the Deal

Email or call with the property address, loan amount, and what the borrower needs. Takes 2 minutes.

Step 02

We Respond in 24 Hours

You get a preliminary term sheet or a clear "no" — never left wondering. No wasted client time.

Step 03

We Close the Deal

We handle everything from here. You stay copied on key milestones so your client stays happy with you.

Step 04

You Get Paid

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 TX

Send Us Your Next Deal

No 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.

Equestrian & Horse Facility Financing

Commercial real estate loans for boarding stables, riding arenas, training facilities, and equestrian centers across Texas.

A Real Commercial Asset, Underwritten Like One

Equestrian real estate is a legitimate, cash-flowing commercial property type — not just rural acreage with a barn on it. A working boarding facility generates recurring monthly board income per stall, arena rental fees, lesson and training revenue, and often ancillary income from hay/feed sales or event hosting, giving it an income profile that underwrites more like self-storage or a small multifamily property than like raw land. Texas is one of the largest horse-ownership states in the country, with a deep base of boarding demand around every major metro — commuter-distance facilities near Houston, Dallas-Fort Worth, San Antonio, and Austin routinely run full with waiting lists, and the state's large rural population supports training and breeding operations well beyond the suburban fringe.

Commercial Loans of Texas underwrites the real estate and its income stream directly — barn square footage, stall count and configuration, arena type (covered vs. outdoor, dimensions, footing), pasture acreage, and existing boarder base — rather than treating an equestrian property as unclassifiable rural land.

Boarding Stable Acquisition

Purchase financing for an existing operating boarding facility, underwritten against current stall occupancy and board rates.

Arena & Barn Construction

Ground-up or expansion financing for covered/indoor arenas, new barns, and stall additions to grow boarding capacity.

Training & Breeding Facilities

Financing for specialized training centers, breeding operations, and event/show facilities with round pens, wash racks, and viewing areas.

Ranch-to-Equestrian Conversion

Bridge and construction financing to convert raw acreage or an existing ranch into a purpose-built boarding or training operation.

What Lenders Actually Look At

  • Stall count and current occupancy — the core income driver, evaluated like unit occupancy on a rent roll
  • Arena and turnout quality — covered arena square footage, footing material, and available turnout/pasture acreage
  • Water rights and well capacity — irrigation and daily consumption needs for pasture and livestock, often the single biggest site-specific underwriting item in rural Texas
  • Zoning and agricultural exemption status — confirmed permitted use and any existing ag/wildlife valuation on the land
  • Access and trailer maneuverability — road frontage and site layout adequate for horse trailers and delivery vehicles

Building or Buying an Equestrian Property?

Get a same-day term sheet for your boarding stable, arena, or training facility.

Get Your Free Quote

Esports & Competitive Gaming Arena Financing

Commercial real estate loans for esports arenas, competitive gaming lounges, and LAN-event venues — a fast-growing spectator and participation category most conventional lenders still don't know how to underwrite.

A New Property Type Built Around Bandwidth and Seating, Not Kitchens

An esports arena or gaming lounge is a different build-out than a typical entertainment venue: tiered stadium seating or gaming-pod rows, redundant high-bandwidth fiber connections, heavy electrical load for hundreds of gaming PCs and consoles running simultaneously, dedicated HVAC sized for equipment heat load rather than just occupancy, and broadcast-capable lighting and audio for streamed tournaments. It's closer in some ways to a data center or a black-box theater than a restaurant or retail buildout, and generic entertainment-venue comps often miss what actually drives the property's value to an operator.

Commercial Loans of Texas finances the real estate behind competitive gaming venues — arena buildouts, gaming lounges, and hybrid café/tournament spaces — evaluated on the operator's membership or event-revenue model and the site's connectivity/electrical capacity, not treated like a generic retail or restaurant space.

Esports Arena Acquisition

Purchase or refinance of a tiered-seating competitive gaming venue built for hosted tournaments.

Gaming Lounge Build-Out

Construction/renovation financing for gaming-pod rows, high-bandwidth fiber, and dedicated electrical/HVAC upgrades.

Hybrid Café & Tournament Space

Financing for combined café/retail and competitive-gaming venues serving casual and league play.

Broadcast & Streaming Infrastructure

Build-out financing for stage lighting, audio, and camera infrastructure supporting streamed tournament events.

What Lenders Actually Look At

  • Electrical service capacity — hundreds of simultaneous high-draw gaming PCs need panel capacity generic retail space doesn't have
  • Fiber/bandwidth infrastructure — redundant, low-latency connectivity is non-negotiable for competitive and streamed play
  • Revenue model — membership fees, per-hour rates, tournament hosting revenue, and sponsorship all factor into underwriting
  • Operator track record — prior venue management or competitive-gaming industry experience
  • Zoning and occupancy classification — assembly-use occupancy limits and parking requirements for event nights

Financing an Esports Arena or Gaming Lounge?

Get a same-day term sheet for your competitive gaming venue.

Get Your Free Quote

Heavy Equipment & Construction Equipment Dealer Financing

Commercial real estate loans for dealerships selling, leasing, and servicing bulldozers, excavators, cranes, skid steers, and other heavy machinery across Texas.

A Different Property Than a Standard Auto Dealership

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.

New & Used Equipment Dealers

Financing for showroom, service, and yard facilities for dealers representing manufacturers or selling used construction and earthmoving equipment.

Rental & Fleet Yards

Real estate for equipment rental operations — secured outdoor storage, wash-down pads, and maintenance shops for fleets that rotate between job sites.

Agricultural Equipment Dealers

Combine, tractor, and implement dealerships with large parts inventories and service departments built around farm-season demand cycles.

Expansion & Refinance

Cash-out refinance to fund a second location, or acquisition financing for a dealer buying an existing facility from a retiring owner.

What Lenders Actually Look At

  • Yard load capacity and drainage — reinforced surfacing and grading that keeps a storage yard usable in wet Texas seasons
  • Service bay clear heights and crane capacity — bays sized for the equipment classes actually being serviced, not a generic auto-shop layout
  • Site access — highway frontage or truck routes suitable for lowboy trailer deliveries of large machines
  • Manufacturer floor-plan and franchise agreements — dealer agreements often factor into underwriting alongside the real estate itself
  • Parts and inventory value — supports the overall lending case even though it's financed separately from the real estate

Financing a Heavy Equipment Dealership?

Get a same-day term sheet for your yard, service center, or dealership acquisition.

Get Your Free Quote

Hemp Cultivation & Processing Facility Financing

Commercial real estate loans for hemp greenhouses, drying barns, and CBD/CBG extraction facilities — a federally legal agricultural commodity under the 2018 Farm Bill, distinct from THC-restricted marijuana operations most banks won't touch.

Why Hemp Real Estate Is a Distinct Underwriting Category

Industrial hemp — grown for fiber, grain, or cannabinoid (CBD/CBG) extraction and capped at 0.3% THC — has been a federally legal agricultural commodity since the 2018 Farm Bill, and Texas licenses hemp production under the Texas Department of Agriculture's own program separate from the state's narrow Compassionate Use medical-marijuana framework. That legal distinction matters to a lender: hemp cultivation and processing real estate can be financed like any other specialty agricultural or light-industrial property, while THC marijuana cultivation and dispensary real estate remains federally illegal and effectively unbankable through conventional commercial channels regardless of state law elsewhere.

Commercial Loans of Texas finances the real estate side of a licensed hemp operation — greenhouse and hoop-house structures, curing and drying barns, and CO2/ethanol extraction buildings — evaluated on the property's build-out, utility capacity, and the operator's Texas hemp license standing, not treated as a generic ag or industrial comp.

Greenhouse & Hoop-House Acquisition

Purchase or refinance of climate-controlled greenhouse acreage for licensed hemp cultivation.

Extraction Facility Build-Out

Construction/renovation financing for CO2 or ethanol extraction buildings, including electrical and ventilation upgrades.

Drying & Curing Barns

Financing for post-harvest drying, curing, and storage structures with the airflow and humidity control hemp requires.

Fiber & Grain Processing

Real estate for decortication and grain-processing operations serving hemp's industrial-fiber and food markets.

What Lenders Actually Look At

  • Active Texas Department of Agriculture hemp license — standing and renewal history for the operator, not just the real estate
  • THC compliance testing history — a documented track record under the 0.3% federal threshold reduces crop-destruction risk
  • Utility capacity — electrical service for extraction equipment and lighting, water rights/access for irrigation
  • Zoning and setback compliance — many Texas counties layer additional ag-use or odor-nuisance ordinances onto hemp sites
  • Clear separation from THC marijuana activity — underwriting requires the operation stay within hemp's federal legal lane

Financing a Hemp Cultivation or Processing Facility?

Get a same-day term sheet for your greenhouse, extraction facility, or drying barn.

Get Your Free Quote
How It Works

From First Call to Funded:
Our 5-Step Loan Process

We'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.

1
Day 1 — Same Day

Submit Your Deal

Fill out our one-page application or call us 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.

We personally review every submission. You won't deal with a junior processor or an automated system.

1-page applicationNo financials yetSame-day review
2
Day 1–2 — Within 24 Hours

Term Sheet Issued

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.

Rate + LTV + termDirect from the lenderNegotiable structure
3
Days 3–7 — Underwriting

Property Underwriting & Due Diligence

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.

Appraisal orderedTitle reviewDSCR underwritingParallel processing
4
Days 7–12 — Approval

Loan Commitment Letter

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.

Binding commitmentFixed termsNo last-minute changes
5
Days 10–21 — Closing

Close & Fund

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.

Wire same day2–3 week closeNo servicing transfers
Commercial Loans of Texas

Direct Lender — Our Speed

Term sheet in 24 hours
Close in 2–3 weeks
One decision-maker
DSCR underwriting — no W-2 needed
All property types funded
Flexible structure (IO, partial release)
No arbitrary 10-loan limits
Traditional Bank

Typical Bank Timeline

Pre-approval in 1–2 weeks (maybe)
Close in 60–90 days
Committee approval required
Full tax returns, P&L, W-2s required
Rigid property type restrictions
Standardized terms only
Strict DTI and property count limits

Documents We Need — vs. What We Don't

We keep the paperwork minimal. Here's what's actually required for a standard commercial loan:

What We Need

✓Property address and description
✓Purchase contract or current mortgage statement
✓Rent roll (if income-producing)
✓Entity docs (if LLC or corporation)
✓Photo ID and basic borrower profile
✓Exit strategy or refi rationale

What We Don't Need

✗W-2s or personal income verification
✗2 years personal tax returns
✗Business P&L statements
✗Bank statements (most deals)
✗Employment verification letters
✗Fannie/Freddie eligibility documentation

Start Your Loan in the Next 5 Minutes

One short form. We review it today and send a term sheet within 24 hours. No commitment required.

Submit Your Deal →

Manufactured Home Dealer & Retail Sales Lot Financing

Commercial real estate loans for manufactured and modular home retail sales lots — the showroom and display-model side of the business, distinct from financing the land under a mobile home park.

A Different Property Than a Park — Retail Real Estate for a Manufacturer's Dealer Network

A manufactured home dealer lot is retail real estate first: a paved and lit display yard for model homes, a sales office and design center, and often a small parts/service building for setup and warranty work — closer in structure to an auto dealership than to a mobile home park's rental-pad infrastructure. Texas is one of the largest manufactured-housing markets in the country, driven by both affordability pressure in fast-growing metros and demand from rural buyers, which keeps dealer lots busy along highway corridors near Houston, San Antonio, and DFW's outer suburbs.

Commercial Loans of Texas finances the real estate behind an independent manufactured-home dealership or a manufacturer's company-owned retail center — display lot, sales office, and service building — evaluated on the dealership's sales volume and manufacturer relationship, not treated like generic retail.

Dealer Lot Acquisition

Purchase or refinance of an existing manufactured/modular home retail sales lot and display yard.

Sales Office & Design Center Build-Out

Construction/renovation financing for the customer-facing sales and design-center building.

Service & Setup Facility

Financing for a parts, warranty-service, and home-setup coordination building on-site.

Multi-Location Dealer Expansion

Financing for a second or third retail lot as an established dealer network expands across Texas.

What Lenders Actually Look At

  • Manufacturer floor-plan relationship — active dealer agreements and inventory-financing lines with home manufacturers
  • Highway visibility and traffic count — display-lot value depends heavily on drive-by exposure
  • Sales volume and unit turnover — units sold per year against the lot's display capacity
  • Zoning for outdoor display and installation staging — a frequent friction point in retail corridors
  • Service/warranty operation — whether the dealer also handles setup and after-sale service on-site

Financing a Manufactured Home Dealer Lot?

Get a same-day term sheet for your dealership real estate.

Get Your Free Quote

MUD & PID Reimbursement Bridge Financing

Bridge financing for Texas developers carrying infrastructure costs ahead of Municipal Utility District and Public Improvement District bond reimbursement.

Why This Financing Gap Exists

Texas relies heavily on Municipal Utility Districts (MUDs) and Public Improvement Districts (PIDs) to fund the water, sewer, drainage, and road infrastructure that makes raw land developable — especially in the unincorporated fringe around Houston, Dallas-Fort Worth, San Antonio, and Austin where cities themselves aren't extending utilities. Under Chapter 49 (MUDs) and Chapter 372 (PIDs) of the Texas Local Government Code, a developer typically has to construct that infrastructure with its own capital first, then get reimbursed once the district issues bonds against future property tax or assessment revenue — a process that can take many months to a few years after construction is complete. That timing mismatch between "infrastructure built" and "bonds issued and reimbursement received" is exactly where developers get squeezed for working capital, particularly on multi-phase residential and mixed-use projects where the next phase can't break ground until the current phase's infrastructure spend is recovered.

Commercial Loans of Texas bridges that gap — financing against the developer's reimbursement receivable and the underlying land, so infrastructure spend doesn't have to sit as dead capital while the district works through its bond issuance timeline.

Infrastructure Cost Bridge

Short-term financing against water, sewer, drainage, and road construction costs pending MUD/PID bond reimbursement.

Multi-Phase Development Gap Financing

Capital to start the next phase of a project before prior-phase infrastructure reimbursement has been received.

Reimbursement Receivable Financing

Financing structured against a confirmed developer reimbursement agreement while bond issuance is pending.

Raw Land Pre-Development

Acquisition and carry financing for land ahead of MUD/PID petition, creation, and initial infrastructure buildout.

What Lenders Actually Look At

  • District status and reimbursement agreement — whether the MUD/PID is already created, and whether a developer reimbursement agreement is executed and confirmed
  • Bond issuance timeline — the district's TCEQ (for MUDs) approval status and realistic bond-sale schedule
  • Infrastructure documentation — engineering plans, construction contracts, and completed-cost certification supporting the reimbursement amount
  • Underlying land value and exit — appraised value of the land being developed and the absorption/sales plan for the platted lots
  • Developer track record — experience successfully carrying prior MUD/PID projects through to bond reimbursement

Carrying MUD or PID Infrastructure Costs?

Get a same-day term sheet for reimbursement bridge financing on your development.

Get Your Free Quote

Pawn Shop & Resale Retail Real Estate Financing

Commercial real estate loans for licensed pawn shops, resale stores, and secondhand retail — a durable, recession-resistant retail category with real security requirements most generic retail underwriting overlooks.

Retail Real Estate With Vault-Grade Security Needs

A pawn shop or resale retail storefront carries higher-value inventory on-site than most comparable retail square footage — jewelry, electronics, firearms, and other collateral — which means the building itself typically needs reinforced storage or vault space, commercial-grade security systems and monitored alarm coverage, and layout considerations for both retail display and secure back-of-house storage. Texas licenses and regulates pawnbrokers under the Texas Pawnshop Act through the Office of Consumer Credit Commissioner, and an established, licensed operator with a compliant location has a genuinely defensible, recession-resistant business — pawn lending and resale retail both tend to hold up, or even grow, during economic downturns.

Commercial Loans of Texas finances the real estate behind licensed pawn shops and resale retail operations — storefront acquisition, security/vault build-out, and multi-location expansion — evaluated on the operator's licensing standing and transaction volume, not treated like generic strip retail.

Pawn Shop Storefront Acquisition

Purchase or refinance of an existing licensed pawn shop location.

Vault & Security Build-Out

Construction/renovation financing for reinforced storage, vault space, and commercial security systems.

Resale & Secondhand Retail

Financing for consignment, resale, and secondhand goods retail storefronts.

Multi-Location Pawn Chain Expansion

Financing for an established operator adding a second or third licensed location.

What Lenders Actually Look At

  • Active Texas pawnbroker license — standing with the Office of Consumer Credit Commissioner
  • Security infrastructure — vault/safe rating, alarm monitoring, and camera coverage adequate for high-value inventory
  • Transaction and loan volume history — pawn-loan turnover and redemption rates supporting the operating model
  • Visibility and traffic count — corridor positioning drives walk-in volume for both pawn and resale traffic
  • Compliance history — any regulatory findings from state pawnbroker oversight

Financing a Pawn Shop or Resale Retail Location?

Get a same-day term sheet for your storefront.

Get Your Free Quote

Rental Car & Fleet Leasing Branch Financing

Commercial real estate loans for rental car branch lots and consumer/commercial fleet leasing locations — distinct from trucking terminals or auto dealer floorplan financing, and built around vehicle-storage and quick-turnaround servicing needs.

A Different Property Profile Than a Dealership or Trucking Yard

A rental car branch or fleet leasing lot needs paved, well-lit vehicle staging with fast in/out traffic flow, a quick-turnaround wash and detail bay, minor service and tire infrastructure, and often airport-proximate or high-visibility corridor positioning that drives walk-up and pre-booked volume. That's a different underwriting profile than an auto dealer's floorplan-financed showroom inventory or a trucking company's terminal — the real estate itself, not manufacturer inventory, is the collateral, and value depends heavily on location relative to airports, hotel districts, and corporate business parks.

Commercial Loans of Texas finances the real estate behind independent rental car franchisees, regional fleet leasing operators, and corporate fleet servicing yards — evaluated on traffic access, lot capacity, and proximity to demand drivers, not generic auto-related comps.

Rental Branch Lot Acquisition

Purchase or refinance of an independent rental car franchise location, airport-adjacent or corridor-sited.

Fleet Leasing Yard Build-Out

Construction/renovation financing for consumer and commercial fleet leasing storage and staging lots.

Wash, Detail & Quick-Turn Service Bay

Financing for rapid-turnaround vehicle wash, detail, and minor-service infrastructure serving a rental fleet.

Corporate Fleet Servicing Yard

Real estate for delivery, rideshare, or corporate fleet operators needing centralized staging and maintenance.

What Lenders Actually Look At

  • Proximity to demand drivers — airports, hotel corridors, and corporate business parks materially affect lot value
  • Traffic flow and lot layout — vehicle stacking capacity and in/out circulation for high daily turnover
  • Franchise or brand agreement standing — for branded rental locations, agreement term length matters to a lender
  • Wash/service infrastructure condition — water reclamation and drainage compliance for wash bays
  • Zoning for vehicle storage and outdoor display — a common friction point in retail-adjacent corridors

Financing a Rental Car or Fleet Leasing Location?

Get a same-day term sheet for your rental branch or fleet yard.

Get Your Free Quote

Indoor Shooting Range & Firearms Training Facility Financing

Commercial real estate loans for indoor and outdoor shooting ranges, firearms training centers, and retail gun shops across Texas.

A Specialized Build-Out, Not a Generic Retail Space

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.

New Facility Acquisition

Purchase financing for an existing range/retail building, including facilities being converted from prior industrial or warehouse use.

Ground-Up Range Construction

Construction-to-permanent financing for a purpose-built range, covering the ballistic and HVAC build-out along with the shell.

Retail Gun Shop + Training Center

Combined retail, classroom, and lane real estate for FFL-licensed dealers offering CHL/LTC and defensive training courses.

Outdoor Range & Land

Acreage and improvement financing for outdoor ranges, including berms, shooting bays, and clubhouse/office structures.

What Lenders Actually Look At

  • Ballistic engineering documentation — backstop, baffle, and trap specs from a qualified range design firm carry real weight in underwriting
  • Environmental and air-quality compliance — HVAC/lead-abatement system meeting OSHA and local air-quality standards
  • Zoning and local ordinance history — confirmed permitted use, since range zoning fights are the most common source of delay
  • Membership base and lane utilization — recurring membership revenue is treated similarly to recurring rent in underwriting
  • FFL and any SOT licensing status — relevant to retail and training-program revenue streams

Building or Buying a Range Facility?

Get a same-day term sheet for your range, training center, or retail firearms real estate.

Get Your Free Quote
About Our Team

30 Years of Texas Commercial Lending —
Not a Bank. A Direct Lender.

CLOT

Our Founder

Founder & Senior Loan Officer
30+Years Lending
$500M+Loans Closed
TXState Only
DirectLender

Why I Started Commercial Loans of Texas

I'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.

🏦
Direct Lender Since 1998We use our own capital — no lending chains, no warehouse lines to satisfy, no third-party approvals
🤝
30+ Year RelationshipsMany of our borrowers have done 5–20+ loans with us over the decades. Repeat business is how we measure trust.
📍
Texas Exclusive FocusWe don't lend in 50 states and stretch thin. Texas only means deep local expertise on every deal we underwrite.
⚡
24-Hour Term SheetsOne decision-maker. No committee. You get a real answer in one business day, not two weeks of silence.
🏗️
All Property TypesOffice, retail, industrial, multifamily, mixed-use, hard money fix-and-flip, land, and specialty properties.
📊
Seen Every CycleFunded deals through S&L crisis, 2001, 2008, COVID, and the 2022–2023 rate spike. We don't panic when markets move.

My Lending Philosophy

"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."

Talk to Us Directly

Submit your deal and we personally review 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 →

Trucking Terminal & Fleet Maintenance Yard Financing

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.

Owner-Operator Real Estate for a Trucking or Logistics Company

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.

Carrier Terminal Acquisition

Purchase or refinance of an existing terminal yard for an owner-operator fleet or regional carrier.

Fleet Maintenance Shop Build-Out

Construction or renovation financing for diesel-rated service bays, lifts, and parts storage for in-house fleet maintenance.

Cross-Dock & Freight Terminal

Financing for LTL and freight-brokerage cross-dock facilities with multiple dock doors and trailer staging yards.

Trailer & Container Storage Yards

Land and paving financing for secured trailer, chassis, and intermodal container storage near port and rail hubs.

What Lenders Actually Look At

  • Yard paving and trailer capacity — surface load rating and the number of tractor/trailer spaces the site actually supports
  • Highway access — proximity to interstate on-ramps and truck routes, since terminal value drops fast on poor access
  • DOT and environmental compliance — fuel island permitting, stormwater runoff controls, and used-oil/waste handling for maintenance shops
  • Carrier operating authority and freight volume — MC number standing and load volume support the underwriting case alongside the real estate
  • Zoning for truck parking and industrial use — a frequent point of friction in growing suburban corridors

Financing a Trucking Terminal or Fleet Yard?

Get a same-day term sheet for your terminal, maintenance shop, or trailer storage yard.

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Waste Transfer Station & Recycling Facility Financing

Commercial real estate loans for waste transfer stations, material recovery facilities (MRFs), and scrap/recyclables processing sites — durable, essential-service infrastructure most banks underwrite too conservatively.

Essential-Service Real Estate With Real Barriers to Entry

A waste transfer station or material recovery facility isn't a typical industrial building — it's reinforced-slab tipping floors rated for loaded trucks and front-end loaders, truck scales, leachate and stormwater containment, baling and sorting-line infrastructure, and the TCEQ permitting that comes with any solid-waste handling operation in Texas. That permitting burden is exactly what makes existing, already-licensed facilities valuable: new supply is slow and politically difficult to site, so operators with a permitted location have real pricing power and a durable, growing volume base as Texas's population expands.

Commercial Loans of Texas finances the real estate behind waste and recycling operations — transfer stations, MRFs, scrap metal yards, and construction & demolition (C&D) debris processing sites — evaluated on permit status, tipping-floor capacity, and contracted haul volume, not treated like a generic warehouse.

Waste Transfer Station Acquisition

Purchase or refinance of a permitted transfer station with reinforced tipping floor and truck scale infrastructure.

Material Recovery Facility (MRF) Build-Out

Construction or equipment-integrated financing for sorting lines, balers, and conveyor infrastructure.

Scrap Metal & C&D Recycling Yards

Land and paving financing for scrap metal processing and construction/demolition debris recycling sites.

Compost & Organics Processing

Financing for permitted organics/yard-waste composting operations and associated pad infrastructure.

What Lenders Actually Look At

  • TCEQ permit status — an active, transferable solid-waste or recycling permit is often the single most valuable asset on the site
  • Tipping floor and scale capacity — slab load rating and daily throughput determine real operating value
  • Contracted haul volume — municipal or hauler contracts backing consistent inbound tonnage
  • Environmental containment — leachate collection, stormwater controls, and groundwater monitoring compliance
  • Buffer and zoning compliance — setback requirements from residential use are a frequent siting constraint

Financing a Transfer Station or Recycling Facility?

Get a same-day term sheet for your waste transfer, MRF, or recycling property.

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Water Park & Aquatic Center Financing

Commercial real estate loans for family water parks, indoor aquatic centers, and swim/recreation complexes across Texas.

Heavy Infrastructure, Strong Seasonal Cash Flow

Water park and aquatic center real estate carries some of the heaviest mechanical and civil infrastructure of any entertainment property type — pool shells and structural waterproofing, filtration and water-treatment plant capacity, pump and slide mechanical systems, and (for indoor facilities) HVAC engineered specifically for natatorium humidity control to protect the building envelope from long-term moisture damage. That infrastructure is also what makes the asset defensible: it's expensive and slow to replicate, which limits new competitive supply in a given trade area. Texas's long, hot operating season supports strong outdoor water park attendance for five to seven months a year, while indoor aquatic centers and swim schools generate steadier year-round membership and lesson revenue that smooths out the seasonality an outdoor-only park would otherwise carry alone.

Commercial Loans of Texas underwrites the real estate against its actual revenue mix — gate admissions, season passes, food and beverage, cabana/rental income, and swim lesson or membership revenue for indoor facilities — rather than treating the property as a generic recreation building.

Outdoor Water Park Acquisition

Purchase financing for an existing seasonal water park, underwritten against trailing attendance and per-cap spending history.

Indoor Aquatic Center Construction

Ground-up or conversion financing for year-round indoor pool, swim school, and aquatic fitness facilities.

Attraction & Slide Expansion

Financing to add slide towers, wave features, lazy rivers, or splash-pad expansions to an existing park's footprint.

Municipal & Membership Club Facilities

Financing for privately operated swim clubs and membership-based aquatic centers serving a residential trade area.

What Lenders Actually Look At

  • Pool shell and structural condition — age and inspection history of the concrete/shotcrete shell and waterproofing membrane
  • Filtration and mechanical system capacity — treatment plant sizing relative to bather load and any deferred mechanical maintenance
  • Attendance and revenue seasonality — trailing gate/pass revenue by month, and how food, beverage, and rental income supplement admissions
  • Health department and safety compliance history — inspection record, lifeguard staffing model, and any prior code violations
  • Insurance and liability structure — aquatic facilities carry higher liability exposure, which lenders factor into coverage requirements

Building or Buying an Aquatic Facility?

Get a same-day term sheet for your water park, aquatic center, or swim facility.

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Reviews

What Our Borrowers Say

Real Google reviews, word for word, from people we have closed loans for. 4.8 out of 5 from 38 Google reviews.

★★★★★
“Let me just start by saying that the only reason I give him five stars is because there is no higher. Daniel Peterson is one of the most honest and transparent person I have ever dealt with. Getting me a refinance was not going be easy but right from the start he gave it his all. Just as we would hit bumps he would not give up. He would look for other ways and would always stay motivated to make it happen. Just as I thought that it wasn’t going to get done. He would pull out the rabbit from the hat, as the old saying goes, all the way to the end. If you are ever in need of a refinance or to purchase another home or anything in this field trust me you will not be disappointed with him. I truly say if he can’t do it it’s probably because it cannot be done but if he does he will find a way.”
JA JESCO AUTO SALES INC. Google Review
★★★★★
“I would highly recommend Commercial Loans of Texas for commercial lending. My experience with Dan was top notch. Starting from consultation and application to guidance navigating the daunting underwriting process, Dan's experience and insight was invaluable to reach a successful closing. Will definitely engage again in the future.”
CD Christopher Day Google Review
★★★★★
“I would highly recommend Dan Peterson with Commercial Loans of Texas. I am a physician in private practice, and I approached Dan about helping me to navigate the commercial loan process for a new medical office. He was proactive and very helpful during the process. His experience and knowledge made a big difference. He is amazing.”
LD Lesly Dessieux Google Review
★★★★★
“Dan Peterson is the best commercial lender hands down! He truly knows his stuff and makes sure that you know all of the pertinent info upfront. I've never seen a commercial loan close this fast. Amazing!! I look forward to working with him in the future for my personal deals and on deals for clients that I will be referring!”
AC Assistant Cloud Google Review
★★★★★
“The Best Commercial Loan Company in Texas. "Danial Peterson !" We were running out of options, doors after door were slammed in our faces! Daniel came through for us when NO ONE ELSE WOULD! We will be eternally grateful for all Daniel and his company has done for us! Give Daniel a call and he will make your dream come True!”
AY annette Yates Google Review
★★★★★
“This company offers very delicate customer services, Dan Peterson is very nice and professional that he was trying to help me to get finance the property but unfortunately the property is in rural area that was not qualify the loan. Dan referred me to another company to finance the property. Thank Dan!”
LT Ling Tan Google Review
★★★★★
“Dan Peterson secured a commercial loan for me with ease and a no b.s. approach. I had a few obstacles to overcome and a tight closing window and Dan made it happen for me. I can't say enough about Dan and his team at Commercial Loans of Texas. If in need of a commercial loan...Dan's your man.”
DL Dyana Lee Google Review
★★★★★
“Our client who was purchasing an apartment building in Montrose- was introduced to Commercial Loans of Texas. The commercial loan officer was hands-on, kept us updated in a timely fashion, was able to provide the best rate and terms available in this market.” Linda Charmaigne”
PU Pattraporn U. Google Review
★★★★★
“This Is The Best Commercial Loan Company In The State Of Texas. Daniel Peterson Is Awesome 🤩 He Answer’s Every Call ☎️ And Goes Above ☝🏾 And Beyond To Maker Sure Business 👨🏽‍💼 Is Handled. I Highly Recommend This Company To Anyone Respectfully!!!!”
KS Kieran Smith Google Review
★★★★★
“It's been a pleasure working with a highly professional, knowledgeable and responsive loan master, Mr. Dan Peterson. He is the best. We were able to successfully close very tough deals back to back. For any loan issue, go to Dan! He is the man.”
SW Steven W Google Review
★★★★★
“Worked with Dan from Commercial Loans of Texas. We had been working for two months to refinance our loan on a property owned by my LLC. I got tired of waiting for other slow institutions and decided to give Dan a call. He had me closed…”
PB Peter Bonanni Google Review
★★★★★
“Daniel Peterson did a fantastic job of closing my construction loan. He made me aware of all financing options and went out of his way to investigate them. We closed on time at an interest rate that was actually slightly lower than we…”
JC John Coco Google Review
★★★★★
“I have nothing but good to say of Daniel Peterson and Commercial Loans of Texas. My loan did not go through but not due to any fault of Daniel or his company. Even after several weeks I called and asked about my appraisal refund and…”
JC Jason Curtis Google Review
★★★★★
“Daniel was great to work with throughout the entire process. He answered questions quickly and the loan funded within three weeks. I would highly recommend him and look forward to working with him in the future on some new projects.”
TC Tracy Cowan Google Review
★★★★★
“If you need to close a complex transaction quickly, Daniel is your guy! He won't sleep until he's able to put a solution in place to help you close your deal. Thanks for all the hard work, Daniel!”
SS Shane Spillers Google Review
★★★★★
“Dan and the team were great! The process was smooth and friendly, Texas style. I highly recommend Commercial Loans of Texas. We'll defiantly be doing business with them in the years to come.”
JT Josh Taylor Google Review
★★★★★
“Dan is Truly AMAZING. Promised he would close on a million dollar property on time and he delivered. A genius at what he does.Thanks Dan, looking forward to the next phase.”
KS Karen Siriwa Google Review
★★★★★
“Dan found terms I didn't think were out there for commercial! Very satisfied and we'll definitely be using Commercial Loans of Texas again on our next conventional deal!”
KO Keno Owens Google Review
★★★★★
“Daniel Peterson got me an amazing mortgage that no one else could do. I don’t see why I would work with anyone else. Amazing service. Thank you.”
BD billy desai Google Review
★★★★★
“Dan Peterson very forthright and transparent. Gave me great guidance and really appreciate him going out of his way for my commercial loan.”
BB bryan bahr Google Review
★★★★★
“As a former Texas Real Estate Commissioner I can tell you this group knows what it takes to get business done with prompt professionalism.”
WM Weston Martinez Google Review
★★★★★
“I strongly recommend Commercial Loans of Texas! Daniel was instrumental in the acquisition of a hard-money bridge loan in 2016.”
DD Derek Diaz Google Review
★★★★★
“We Are Thankful for Dan Peterson and the team of underwriting who have given us the monies to consolidate our debt. Thank you.”
JL Jesus Life Google Review
★★★★★
“Got a challenging loan approved and closed. Best customer service. They get'm DONE in a timely manner. Thank you!⭐️⭐️⭐️⭐️⭐️”
NJ nicole johnson Google Review
★★★★★
“Dan Peterson was great to work with, closing my commercial loan refinance just as I needed. Thanks Dan!”
MM Mike McAda Google Review
★★★★★
“Very helpful in understanding would recommend anybody that doesn't have the best way home”
KC Kirk Carlson Google Review
★★★★★
“Every step from LOI through closing was guided with great service. "Just Right"”
MS Mark Spence Google Review
★★★★★
“Thank you Dan Peterson. You sent me in the right direction. I appreciate…”
KY Kym Google Review
★★★★★
“great experience will do further business with Dan.”
LR lawrence roberts Google Review
★★★★★
“Great working with this company”
DS David S Google Review
★★★★★
“Very frenly company”
GR Griffin Roberts Google Review
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