Commercial Loans Austin TX
No Tax Returns — All Credit — DSCR & Hard Money
Austin’s direct commercial lender since 1998 — Downtown, East Austin, The Domain, Cedar Park, Round Rock, and every Travis & Williamson County submarket.
DSCR loans qualify on property income alone — no personal tax returns.
Hard money programs approve on the asset — no income check, no credit minimum. Some programs offer rates below bank rates with terms up to 30 years.
Austin Commercial Lending — Built for a Fast-Moving Market
Austin’s commercial real estate market moves fast. Deals close before banks finish underwriting. We’ve been funding Austin commercial transactions since 1998 — with programs designed for self-employed owners, investors, and foreign nationals that banks routinely decline.
📄 DSCR — No Personal Tax Returns
Qualify on the property’s rental income. Mixed-use, multifamily, retail, office — if the rent covers the payment, you qualify regardless of personal income.
📄 Hard Money — Asset-Based Approval
No income verification, no credit minimum. Approval based on property value and equity. Acquisitions, bridge, and value-add deals.
💳 All Credit Welcome
500 or 800+ — bad credit, past bankruptcy, foreclosure. Property value and equity drive approval on most programs.
⚡ Same-Day LOI
Letter of intent the same day you call. Austin deals move fast — you can’t wait 60–90 days for bank underwriting.
🌐 Foreign Nationals Welcome
International investors buying or refinancing Austin commercial real estate. Asset-based approval, no US credit history required.
💰 No Upfront Fees
No application fee, no processing fee. Nothing out of pocket to get a quote or LOI.
📈 Beat the Bank — Rate & Term
Some programs offer rates lower than many banks AND terms up to 30 years fully amortized. Better rate, longer term, no balloon.
Loan Programs We Close in Austin
Every program below closes right here in Texas. Direct lender, no middlemen, Travis and Williamson County.
Multifamily & Mixed-Use
5+ units, apartment buildings, and mixed-use. DSCR on rental income — no personal returns. East Austin, South Congress, Cedar Park, Round Rock.
Retail & Office
Storefronts, strip centers, office buildings. Qualify on lease income. The Domain, 6th Street, South Lamar, Pflugerville, Georgetown.
Tech & Flex Office
Owner-occupied commercial, tech office, creative office. Austin’s office market requires lenders who understand non-traditional tenants and structures.
Industrial & Warehouse
East Austin industrial, flex space, contractor yards. All credit, all Travis County locations.
Hard Money & Bridge Loans
Short-term asset-based financing for fast acquisitions, value-add, and deals that can’t wait. 6–24 month terms. No credit check.
Cash-Out Refinance
Pull equity from Austin commercial property. No seasoning, no income docs on most programs. Land qualifies.
Ready to close your Austin deal?
Same-day LOI — no upfront fees — no tax returns required.
Who This Is For
If any of these describe your situation, call us today.
Self-employed Austin business owner with commercial equity — income looks low on paper for bank approval
Investor who wants to qualify on rental income from Austin property, not personal tax returns
Any credit score — past bankruptcy or foreclosure — asset and equity drive approval
Foreign national or international investor buying or refinancing commercial property in Austin or the greater metro
Need to close fast — Austin market moves too quickly for 60–90 day bank underwriting
Broker with an Austin client who needs commercial financing — we pay referral fees
Common Questions
What Austin borrowers ask before calling.
Searching for a commercial loan near me in Austin?
Yes — we’ve been funding Austin commercial deals since 1998. Downtown, East Austin, South Congress, The Domain, Cedar Park, Round Rock, Pflugerville, Georgetown, and all of Travis and Williamson County. No tax returns required, bad credit OK, foreign nationals welcome. Same-day LOI, no upfront fees.
Why can’t I get a commercial loan from a bank in Austin?
Banks in Austin are heavily oversubscribed on applications and have tightened qualifying standards — self-employed borrowers, non-standard properties, and complex deal structures routinely get declined. We fill that gap. DSCR programs qualify on rental income. Hard money programs qualify on the asset alone. No tax returns required on either.
Do you lend to foreign nationals in Austin?
Yes. International investors and non-US citizens qualify on our asset-based programs. No US credit history or US tax returns required. Austin’s real estate market draws international capital — we’ve closed loans for foreign nationals throughout Texas. Call us and we’ll walk through which programs apply.
How fast can you close an Austin commercial loan?
Same-day LOI. Closings typically run 2–4 weeks. In a market where deals move as fast as Austin’s, that speed advantage is significant. If your deal has a deadline, call us first.
Get Your Austin Loan LOI Today
Tell us about your property — same-day letter of intent, no upfront fees.
No tax returns. All credit welcome. DSCR and hard money programs available.