Texas hard money loans # Commercial Hard Money Loans Hard money for your Texas commercial property: retail centers, office buildings, and industrial. No credit minimums and no prepayment penalty. [Apply Now](https://cedartoplending.com/apply/) [Get a Quote](https://cedartoplending.com/contact/) Rate Starting at 12% Loan amount $50,000 - $1,000,000 Term 6 to 12 month terms (with extension provisions) Last updated September 9, 2026 ## What is a commercial hard money loan? A commercial hard money loan is short-term, asset-based financing for your investment or income-producing commercial real estate. Approval is driven by the property and your deal rather than conventional bank underwriting, which lets you close on a timeline banks cannot match. ## Terms snapshot Rate Starting at 12% Points / origination Origination fee of 2% to 4% Doc fee $995 Document Fee Loan amount $50,000 - $1,000,000 Term 6 to 12 month terms (with extension provisions) Max leverage Up to 75% Loan to Value Payments & fees Interest only payments ยท NO prepayment penalty Property types Retail centers, Office buildings, Industrial Owner-occupied Not eligible - investment / non-owner-occupied only ## Example Commercial Loan Purchase price $700,000 Property type Multi-tenant retail Requested loan amount Up to ~$525,000 (maximum 75% loan to value) Term 12 months, plus an extension Monthly interest estimate Interest-only on the balance Exit strategy Stabilize occupancy, then refinance into a long-term commercial loan or sell your property. Illustrative only. Not a quote or a commitment to lend. ## How funding works 1. 1 ### Apply online Fill out our contact form with your loan request details: the property, rent roll, leases, and your plan. 2. 2 ### Review We review each transaction personally and in-house, which allows us to make a lending decision quickly. 3. 3 ### Term sheet If your project fits our commercial program, you will receive a term sheet stating leverage, rate, points, and term. 4. 4 ### Title We review title and environmental considerations directly with your title company. 5. 5 ### Close Once title work is clear and all documents are signed, we close and fund your loan. ## Documents Required The usual list. Some loan programs require one or two more items which will be requested as needed. - Executed purchase contract - Entity formation documents - Government-issued ID - Rent roll - Leases - Stabilization / business plan - Property condition / environmental information - Title company contact - Exit strategy ## What we can't fund - Owner-occupied / primary residence request - Unresolved title issues - Unsupported or unrealistic ARV - Weak or undefined exit strategy - Insufficient documentation - Unsupported property type - Unresolved environmental concerns - Weak or unverifiable rent roll ## Frequently asked questions ### What commercial property types do you consider? We consider retail centers, office buildings, and industrial investment property in Texas, non-owner-occupied scenarios. ### Do I need to qualify or meet a credit minimum? No credit minimums. Our commercial review focuses on your rent roll, your leases, the property itself, and your stabilization or exit plan. ### Do you consider environmental and title issues? Yes. Environmental and title considerations are part of our commercial underwriting and may affect feasibility. ## Texas markets we serve ### North Central & West Texas - [Abilene](https://cedartoplending.com/service-areas/abilene/) - [Bowie](https://cedartoplending.com/service-areas/bowie/) - [Bridgeport](https://cedartoplending.com/service-areas/bridgeport/) - [Brownwood](https://cedartoplending.com/service-areas/brownwood/) - [Cleburne](https://cedartoplending.com/service-areas/cleburne/) - [Decatur](https://cedartoplending.com/service-areas/decatur/) - [Eastland County](https://cedartoplending.com/service-areas/eastland-county/) - [Fort Worth](https://cedartoplending.com/service-areas/fort-worth/) - [Granbury](https://cedartoplending.com/service-areas/granbury/) - [Jacksboro](https://cedartoplending.com/service-areas/jacksboro/) - [Mineral Wells](https://cedartoplending.com/service-areas/mineral-wells/) - [Stephenville](https://cedartoplending.com/service-areas/stephenville/) - [Weatherford](https://cedartoplending.com/service-areas/weatherford/) - [Wichita Falls](https://cedartoplending.com/service-areas/wichita-falls/) - [Midland](https://cedartoplending.com/service-areas/midland/) ### Central Texas - [Hillsboro](https://cedartoplending.com/service-areas/hillsboro/) - [Waco](https://cedartoplending.com/service-areas/waco/) ### Northeast & East Texas - [Canton](https://cedartoplending.com/service-areas/canton/) - [Gilmer](https://cedartoplending.com/service-areas/gilmer/) - [Greenville](https://cedartoplending.com/service-areas/greenville/) - [Mount Pleasant](https://cedartoplending.com/service-areas/mount-pleasant/) - [Sulphur Springs](https://cedartoplending.com/service-areas/sulphur-springs/) - [Terrell](https://cedartoplending.com/service-areas/terrell/) - [Tyler](https://cedartoplending.com/service-areas/tyler/) [View all Texas service areas](https://cedartoplending.com/service-areas/) ## Apply for Texas Commercial Hard Money Loans We underwrite every loan in-house. Fill out our short application or call us - we look forward to working with you on your next Texas investment property. [Apply Now](https://cedartoplending.com/apply/) [Get a Quote](https://cedartoplending.com/contact/) [Call 817-984-3129](tel:+18179843129) --- Canonical URL: https://cedartoplending.com/hard-money-loans/commercial/