★★★★★ 4.8 Google Reviews | ✓ Direct Lender Since 1998 | ✓ No Upfront Fees | ✓ 48-Hour Approvals | ✓ All Credit Welcome
Commercial Loans of Texas
Let's Cut to the Chase,
Shall We?
We don't need to pull your credit. Send us your own 3-bureau report and we'll give you a real quote — LTV, rate, and terms you can shop around.
We close as a direct lender. If we can't do it in-house or on our warehouse line, we'll place it through our network and still close it for you.
✓ No credit pull
✓ No upfront fees
✓ Written Letter of Intent
✓ Texas focused • 45 states
Step 1 of 3
✅ Start Here — One Simple Form. That's It.
Executive Loan Summary — Start Here
One fillable PDF. Enter your deal info and your 3 credit scores. Email it back — we issue a written quote same day. You are not sending your Social Security number.
✓ 3 minutes to fill out
✓ No credit pull
✓ No SSN needed
✓ No phone call required
↓ Download & Fill
📥
Download
1 min
→
✍
Fill it out
2 min
→
📤
Email it back
30 sec
→
📈
Get your quote
Same day
✓ That's it for a fast quote.
Step 2 of 3 — Only After You Have a Quote You Like
📋 Full Loan Applications — Pick the One That Fits
Don't skip Step 1. Most borrowers start and finish with the Executive Summary. Only come here once we've issued your quote and you want exact locked terms. Takes about 15 minutes.
⚡
Hard Money / Fix & Flip
Fast closings. All credit OK. No tax returns required. ~15 min
↓ Download
💵
Stated Income Loan
Real No Doc — no bank statements or tax returns required. ~15 min
↓ Download
🏠
30-Year Fixed Commercial
Stable long-term financing. Fully amortized. ~15 min
↓ Download
💼
Working Capital Loan
Business capital, equipment, payroll, expansion. ~15 min
↓ Download
📄
Conventional Commercial
Full-doc. Tax returns & financials required. ~20 min
↓ Download
Processing Tips — What We Need to Close Your Loan
📋 What We Need to Close
Gather these items now so we can move fast once you have a quote. Most loans close in 7–14 business days when the file is complete.
🏠 Property
- Purchase contract (purchases)
- Scope of work & rehab budget (fix & flip)
- Current leases & rent roll (rentals)
- Current mortgage statement (refi/cashout)
👤 Borrower
- Government-issued photo ID
- 3-bureau credit report (you pull it — we send you a link)
- Last 2 months bank statements (purchases) / 2 years tax returns (full doc loans)
- Track record / portfolio of prior deals (investors)
- Entity docs: Articles + Operating Agreement (LLC/Corp)
🔒 At Closing
- Insurance binder naming lender as mortgagee
- Title commitment (we order through our title company)
- Signed loan documents (e-sign or in person)
- Certified funds for closing costs & down payment
🟢 We Handle
- Appraisal / BPO order
- Title company coordination
- Loan commitment letter
- Wire instructions
- Lien search
- Work with underwriter to clear needs list
Missing something? Don't hold up your application waiting for everything. Send what you have — we'll tell you exactly what else we need based on your deal.
Step 3 of 3
📤 Send It In — That's It
Fill out the Executive Summary — including your 3 credit scores — and email it directly to us. No portal. No account. No phone call required. We don't pull your credit.
📤 application@proton.me
🔒 Fully encrypted email (Proton Mail) — your information is private and secure. You are not sending your Social Security number.
What happens next: We review your package and issue a written quote with LTV, rate, and terms you can shop. If you like what you see, fill out the full application for exact locked terms.
— prefer to talk? —
877-895-3634
Mon–Thu 9–5 · Fri 9–12 CT · No upfront fees · No obligation
For SBA loans, hard money, DSCR, bridge, and other commercial real estate financing — apply online for the fastest response.
Download our fillable PDF working capital application for business lines of credit and working capital loans.