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

Stated Income Commercial Loans Texas — No Income Verification

Self-employed? Write-offs making your income look low? We don’t need your tax returns.
Stated income commercial loans for Texas business owners, investors, and self-employed borrowers.
All credit welcome. Foreign nationals OK. Same-day LOI. Direct lender since 1998.

No Income Verification No Tax Returns Self-Employed OK Bad Credit OK Foreign Nationals Welcome All Property Types Interest Rates Lower Than Many Banks Up to 30-Year Fixed Terms Same-Day LOI Direct Lender Since 1998

Your Tax Returns Don’t Tell the Whole Story — We Know That

Self-employed borrowers use every legal deduction available — which means your taxable income looks far lower than your actual cash flow. Banks penalize you for being smart about taxes. We don’t.

📄

No Tax Returns Required

We don’t ask for 2 years of returns. You state your income — we look at assets, property value, and equity. No verification required on stated income programs.

💼

Self-Employed Welcome

Business owners, independent contractors, LLC owners, real estate investors — if your income is hard to document the traditional way, stated income was built for you.

💳

All Credit Welcome

Bad credit, past bankruptcy, or low FICO doesn’t disqualify you. Assets and equity drive approval on most programs.

🌐

Foreign Nationals Welcome

International investors and non-US citizens with no US income documentation. Asset-based approval, no US returns required.

📈

Beat the Bank — Rate & Term

Some programs offer rates lower than many banks AND terms up to 30 years. You don’t have to pay more just because you’re self-employed.

Same-Day LOI

Letter of intent issued the same day. No months of underwriting before you know if you’re approved.

Who Stated Income Loans Are Built For

If any of these sound like you, call us — we can likely help.

Self-employed with strong cash flow but write-offs that make taxable income look low

Business owner who can’t show 2 years of consistent W-2 or return history

Real estate investor with income spread across multiple LLCs or properties

Foreign national with no US income documentation

Recently self-employed — not enough history to satisfy bank income requirements

Broker with a self-employed client who keeps getting declined at banks — we pay referral fees

Common Questions

What borrowers ask before calling about stated income loans.

Searching for a stated income commercial loan near me in Texas?

Yes — we’re a Texas direct lender closing stated income commercial loans statewide since 1998. Houston, Dallas, San Antonio, Austin, Fort Worth, and every Texas county. No income verification, bad credit OK, foreign nationals welcome. Same-day LOI, no upfront fees.

What exactly does “stated income” mean?

You state your income on the application — we do not verify it with tax returns, W-2s, or bank statements. Approval is based on your assets, the property value, and your equity position. It was created for self-employed borrowers whose documented income doesn’t reflect their actual financial strength.

Is my credit score a factor?

On stated income programs, credit is reviewed but is not the primary factor. Assets and property equity drive approval. We work with all credit profiles — 500 to 800+.

What property types qualify?

All commercial property types — multifamily, retail, office, industrial, mixed-use, land. If it’s commercial real estate in Texas with equity, call us and we’ll tell you if it qualifies.

Get Your Stated Income Loan LOI Today

No tax returns. No income verification. Same-day LOI, no upfront fees.
All credit welcome. Self-employed OK. Direct lender since 1998.

📞 877-895-3634 Apply Online — 3 Minutes
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

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

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

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.

Get Your Free Quote
ipt>
📞 Free Quote — 877-TX-LENDING (877-895-3634)