Commercial Loans Near Me
Texas Direct Lender — No Tax Returns — All Credit Welcome
Searching for a commercial lender near you anywhere in Texas? You found one.
We’ve been closing commercial loans across every Texas county since 1998 — directly, with no middlemen.
No tax returns. Bad credit OK. Foreign nationals welcome. Same-day LOI. Some programs beat banks on both rate and term.
Why Borrowers Near You Call Us Instead of a Bank
Banks turn away more commercial borrowers than they approve. We exist to close the deals banks decline.
📄 No Tax Returns Required
DSCR loans qualify on rental income. Stated income and hard money programs need no personal income verification at all.
💳 All Credit Welcome
500 or 800+ — credit score is not the deciding factor on most programs. Equity and property value drive approval.
⚡ Same-Day LOI
Letter of intent the same day you call. No months of underwriting before you know if you’re approved.
🌐 Foreign Nationals Welcome
Non-US citizens and international investors. Asset-based approval — no US credit history or tax returns 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
Not all our programs are hard money. Some offer rates lower than many banks AND terms up to 30 years fully amortized.
Loan Programs Available Near You
Every program below closes statewide. Direct lender, no middlemen, all Texas counties.
Hard Money Loans
Asset-based approval. No credit check, no income docs. Acquisitions, bridge financing, and value-add deals statewide.
DSCR & Income-Producing
Qualify on rental income alone. Multifamily, retail, office, industrial. No personal tax returns required.
Stated Income
Self-employed borrowers with strong assets but income that looks low on paper. No income verification required.
Commercial Cash-Out
Pull equity from commercial property you own. No seasoning, no income docs on most programs. Land qualifies.
Land Loans
Raw land, lots, and commercial parcels. No tax returns. Up to 50% LTV. Banks won’t do it — we will.
Construction & Bridge
Ground-up construction financing and short-term bridge loans. Draw schedule programs available statewide.
We Lend Near You — Every Major Texas Market
Direct lender in every Texas county since 1998. Here are the markets we close most frequently.
Ready to get funded near you?
Same-day LOI — no upfront fees — no tax returns required.
Who Qualifies
If any of these describe you, call us — we can likely help.
Self-employed with commercial property — income looks too low on paper for bank approval
Own income-producing property and want to qualify on rental income, not personal returns
Any credit score — past bankruptcy or foreclosure — asset and equity drive approval
Foreign national or international investor buying commercial real estate anywhere in Texas
Need to close fast — your deal won’t wait 60–90 days for bank underwriting
Broker with a client who needs commercial financing near you — we pay referral fees statewide
Common Questions
What borrowers searching for a commercial loan near them ask before calling.
Searching for a commercial loan near me in Texas?
Yes — we’re a Texas direct lender closing commercial loans in all 254 counties since 1998. Houston, Dallas, San Antonio, Austin, Fort Worth, and every city in between. No tax returns required, bad credit OK, foreign nationals welcome. Call for a same-day LOI — no upfront fees.
What makes you a better option than a local bank near me?
Banks require 2 years of tax returns, clean credit, and 60–90 days of underwriting. We approve based on the property and equity. Our DSCR programs have no personal income docs. Our hard money programs have no credit minimum. And some of our permanent programs offer lower rates and longer terms than banks — without the delays.
Do you lend in my Texas city?
Yes — all 254 Texas counties. We’ve closed deals in every major market and dozens of smaller cities and rural counties. If you have commercial property in Texas and equity to work with, call us — location within Texas is not a barrier.
How fast can you close near me?
Same-day LOI. Closings typically run 2–4 weeks. Hard money bridge loans can close faster. If your deal has a deadline, call us — speed is one of our core advantages over every bank near you.
Get Your Commercial Loan LOI Today
Tell us about your property — same-day letter of intent, no upfront fees.
No tax returns. All credit welcome. Every Texas county.