About Commercial Loans of Texas
Direct lender in Magnolia, Texas — funding commercial real estate since 1998
Welcome to Texas Commercial Loans
We are a direct private lender specializing in commercial real estate financing throughout Texas. Since 1998, we have helped investors, business owners, and developers secure fast, flexible funding without the red tape of traditional banks.
Our team works directly with borrowers — no middlemen, no upfront fees, and no surprises. Whether you need hard money, DSCR, stated income, or SBA financing, we have a program to fit your situation.
✓ Direct Lender Since 1998
Over 25 years funding Texas commercial real estate — we use our own capital, so decisions are fast.
✓ No Upfront Fees
We never charge application or processing fees before closing. You pay nothing until your loan funds.
✓ All Credit Considered
We look at the deal, not just the score. Borrowers with challenged credit are welcome.
✓ Approval in 24-48 Hours
Fast underwriting and in-house decisions mean you get a term sheet quickly when others are still asking for paperwork.
✓ Texas Statewide
We lend in Houston, Dallas, Austin, San Antonio, Fort Worth, Magnolia, and across all of Texas.
✓ Flexible Terms
Loan amounts from $100K to $10M+. Short-term bridge to 30-year fixed. We structure deals that work.
Our Loan Programs
We offer hard money loans, DSCR investor loans, stated income commercial loans, SBA programs, construction financing, and church/non-profit loans. Visit our Programs & Rate Sheets page for current rates and guidelines.