Texas is more than just a state; it is an economic powerhouse. From the sprawling metropolises of Houston and Dallas to the rapid growth of the Austin corridor and the historic charm of San Antonio, the opportunities for commercial real estate investment are boundless. However, for many investors and business owners, the path to capitalization is often blocked by the rigid, bureaucratic walls of traditional banking.
In a market that moves as fast as Texas, you cannot afford to wait months for a loan committee to review your tax returns only to hand you a rejection letter because of a credit blip from five years ago. You need a partner who looks at the bigger picture. You need a partner who understands the value of dirt, concrete, and cash flow.
At Commercial Loans of Texas, we are that partner. As a premier Direct lender Magnolia Texas, we have spent over 30 years rewriting the rules of lending. We believe that financing should be an accelerator, not a brake. Whether you have pristine credit or a complicated financial history, we provide the capital you need to seize opportunities across the state and beyond.
The Direct Lender Advantage
In the world of commercial finance, there are order takers, and there are decision-makers. Many borrowers waste valuable time dealing with intermediaries who have no real authority. When you work with us, you are plugging directly into the source.
As a direct lender based in Magnolia, we have the autonomy to make common-sense underwriting decisions. We don't just look at a FICO score; we look at the asset. We look at the potential. We look at you.
However, we also recognize that one size rarely fits all. That is why, in addition to our in-house lending capabilities, we operate as a full-service brokerage with access to over 100 lenders. This hybrid model ensures that if we can't fund your deal internally, we can instantly shop it to a vast network to ensure you get the Texas commercial loans that fit your specific scenario.
Beyond the Credit Score: Asset-Based Solutions
The most common misconception in commercial lending is that you need a perfect 800 credit score to get funded. While traditional banks operate on this archaic model, the modern real estate market requires more flexibility.
Life happens. Economic downturns, medical emergencies, or divorce can drag down a credit score, but that doesn't mean you aren't a savvy investor with a profitable project. We pride ourselves on being Bad credit commercial lenders who specialize in looking past the number.
We focus on Asset based commercial lending. This means our primary security is the property itself, not just your personal credit history.
- A-Z Credit: Whether you have excellent credit or "horrible" credit, we have a program for you.
- Bankruptcy Payouts: We can even assist in complex situations involving bankruptcy payouts.
- 93% Financing: For qualifying deals, we offer high-leverage options that require as little as 7% down, allowing you to preserve your liquidity for other projects.
If you have been turned down by a bank, do not give up. Our "make sense" underwriting approach has saved countless deals that others walked away from.
The Power of Stated Income
For self-employed entrepreneurs, small business owners, and real estate investors, tax returns can be a double-edged sword. You work hard to maximize your deductions and minimize your tax liability legally. However, when you walk into a bank, those same deductions make it look like you don't make enough money to service a loan.
We solve this paradox with our Stated income commercial loans.
Also known as No tax return commercial loans, these programs allow you to qualify based on the income you state you make, or the income the property generates, rather than what is shown on your 1040s.
- Simplify Your Life: Stop digging through three years of tax returns and P&L statements.
- Streamlined Process: By removing the tax return requirement, we drastically reduce the paperwork and the time it takes to underwrite the file.
- Gain the Tax Deduction: Continue to run your business efficiently for tax purposes without sacrificing your ability to borrow.
Speed Kills (The Competition)
In the Texas real estate market, a good deal doesn't last long. If you find a distressed commercial property in Fort Worth or a prime retail spot in Sugarland, you need to move immediately.
Traditional lenders can take 60 to 90 days to close. By that time, the seller has moved on to a cash buyer. At Commercial Loans of Texas, we specialize in Texas hard money lenders and Private money commercial loans that are designed for speed.
We have streamlined the mortgage process to guarantee a speedy and efficient closing. We offer a 3-Minute Pre-qualification and Quote System. If you know your credit score, income, and property value, and have a photo of the building, we can give you an accurate quote in minutes. We handle everything by phone, fax, and email to ensure there are no disruptions to your schedule.
Leveraging Your Equity: Cash Out and Refinancing
Do you already own commercial property? You might be sitting on a goldmine of trapped equity. With property values rising across Texas, a Commercial cash out refinance can be a strategic move to grow your portfolio.
You can use the cash to:
- Renovate and improve the property to increase rents.
- Purchase additional properties.
- Pay off high-interest debt or tax liens.
- Buy out a partner.
We also offer specialized programs like "No payments for 60 Days," giving you breathing room as you stabilize a new investment or transition a property.
Supporting Small Business with SBA
For business owners looking for stability and long-term growth, the Small Business Administration (SBA) offers some of the best terms on the market. As experts in SBA loans in Texas, we guide you through the government-backed lending process.
SBA loans are ideal for owner-occupied commercial real estate. They offer low down payments and long amortization periods, which helps keep your monthly overhead low. Whether you are buying a warehouse in Corpus Christi or an office building in Round Rock, we can help you navigate the SBA requirements to secure this coveted financing.
We Cover the Entire Lone Star State
While we are based in Magnolia and Houston, our reach extends to every corner of Texas. We understand the nuances of the different local markets.
- The Metros: Houston, Dallas, Fort Worth, Austin, San Antonio.
- The Coast: Galveston, Corpus Christi, Rockport, Port Arthur.
- West & North Texas: El Paso, Lubbock, Amarillo, Odessa, Midland.
- Central & East: Waco, Tyler, Longview, Nacogdoches.
From the oil fields of West Texas to the tech hubs of Austin, we provide tailored financing that respects the local economy.
Why Choose Commercial Loans of Texas?
We are not just a website; we are a team of experienced professionals who understand that behind every loan application is a person trying to build a future. We error on the side of caution when quoting you to ensure there are no nasty surprises at the closing table.
- Experience: Over 30 years helping investors.
- Flexibility: Products for every credit grade.
- Speed: We close when others are still doing paperwork.
- Service: A dedicated loan officer you can actually talk to.
Don't let a rigid bank or a past credit mistake stop you from achieving your commercial real estate goals. Whether you need hard money for a quick flip, a stated income loan for an investment property, or an SBA loan for your business HQ, we have the solution.
Contact us today at 877-TX-LENDING (877-895-3634) or visit us online to get your quote. Let’s get your deal funded.