Working Capital Loans in Texas
Need working capital for your business? Commercial Loans of Texas provides fast working capital financing secured by commercial real estate equity — giving Texas business owners access to the cash they need without the red tape of traditional bank loans.
What Is a Working Capital Loan?
A working capital loan provides short-term business capital to cover operating expenses, payroll, inventory, equipment, or growth opportunities. When secured by real estate equity, you get larger loan amounts, lower rates, and faster approvals than unsecured business loans.
Simple Requirements — We Keep It Easy
- Last 4 months of business bank statements (all pages)
- Valid government-issued photo ID (Driver’s License or Passport)
- Voided business check or bank letter confirming account details
- Low credit scores are OK — we focus on your business cash flow and real estate equity, not your FICO score
- No tax returns required in most cases
- Self-employed? No problem.
Who It’s For
- Business owners with equity in commercial or investment property
- Self-employed borrowers who can’t qualify at a bank
- Businesses needing fast capital — 14-21 day closings
- Companies with tax challenges or credit issues
- Foreign nationals investing in Texas
Our Working Capital Loan Terms
- Loan Amounts: $100,000 to $5,000,000+
- LTV: Up to 65% of property value
- Terms: 12 months to 5 years
- Rates: Starting at 9.99%
- Soft credit pull only — will NOT affect your credit score
How to Apply
- Download and complete our Working Capital Application below
- Gather your last 4 months of business bank statements
- Email to texlend@gmail.com or call us directly
- Pre-qualification within 24 hours
- Funding in as little as 14-21 days
Download Your Application
⬇ Download Working Capital Application (PDF)
Complete the form and email it to texlend@gmail.com along with your last 4 months of bank statements and a copy of your Driver’s License.
Get Working Capital Fast
Don’t let cash flow slow your business down. Commercial Loans of Texas has been funding Texas businesses since 1998. No upfront fees. Brokers protected.
Call 877-TX-LENDING (877-895-3634)