Benefits of a Commercial Property Tax Loan for Your Business

commercial%20property%20tax%20loan%20benefits.jpeg As a Texas business owner, you are known for your hard work and dedication to your firm. You may not instinctively consider the benefits of a commercial property tax loan - as you tend to be a self-starter who values independence and self-reliance. If this sounds familiar, you are in the right place! Read on to discover how you can leverage a loan to pay commercial property tax to benefit your business.

The Reality of Owning a Business in Texas

There are many reasons why entrepreneurs are relocating to Texas:

  • Large and growing population, i.e., customer base
  • Strong economy with a diverse range of industries
  • Access to a large and skilled workforce
  • Strategic location with easy access to domestic and international markets
  • Pro-business regulations and low taxes*

*To counter being one of the states in the US that does not have a corporate income tax, Texas relies on other taxes to generate revenue – including a tax on commercial property.

The Benefits of a Commercial Property Tax Loan

Let’s examine the benefits of a commercial property tax loan:

Property Tax Loans Help with Uneven Cash Flow

You know that cash flow is an important aspect of your business’s financial health and is essential for its survival and growth.

In Texas, property taxes are due annually – leaving you with a hefty bill to pay with any cash you have accumulated. Taking a loan to pay the amount due helps your cash flow in two ways:

  1. It provides you with the funds you need even if you do not have enough cash on hand. This can be especially helpful if you operate in an industry that experiences seasonal fluctuations in revenue or if you have had unexpected expenses that impacted your cash flow.
  2. It offers some flexibility in managing your cash flow. Instead of paying the entire property tax bill at once, the payments are spread out over a set period of time.

Avoid Property Tax Penalties and Interest

Texas property owners who fail to pay their commercial property taxes on time will be subject to crippling penalties and interest charges. These can accumulate quickly, making it even more difficult to catch up on unpaid taxes.

Using a loan to pay your property taxes before the deadline ensures that your business avoids incurring any late-payment penalties and interest. Moreover, some commercial property tax lenders, like our team at American Finance & Investment Co., Inc., pay property taxes directly to the county on your behalf to give you complete peace of mind that the taxes are paid on time.

Avoid the Possibility of Foreclosure

If Texas property taxes are unpaid for a long period of time, the local government may initiate foreclosure proceedings on the property. Thus, staying on top of your property tax payments is crucial to mitigate the risk of foreclosure.

When your firm takes out a commercial property tax loan, the loan funds pay the outstanding property taxes, which will avoid the foreclosure.

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How to Qualify for a Commercial Property Tax Loan

By now, you are probably wondering how to qualify for a commercial property tax loan.

Property Tax loans are asset based loans, which means that the lender focuses less on your credit profile and more on the quality of the asset. That being the case, impaired credit or struggling financials are nothing to worry about. You simply need a valid title for the commercial property for which you are seeking a loan.

Get a Commercial Property Tax Loan from AFIC

American Finance and Investment Co., Inc. (AFIC) is a financial institution based in Texas. We have been serving the financial needs of residents in Texas communities since 1946. With nearly eight decades of complaint-free consumer financing, we stand out as the first choice when it comes to manageable solutions for your tax debts.

We offer our clients an affordable, hassle-free way to ensure that your account with the local government tax office is paid in full and will work out a manageable repayment plan for you. AFIC can provide you with an instant quote by completing the form on our homepage. For qualifying properties, we can help you pay off your delinquent taxes and offer you the following benefits:

  • Quick and completely online process
  • No money down
  • No credit check
  • Free 30-day rate match
  • Match competitors and beat their rate by 1%
  • Avoid high penalties and foreclosure

We pride ourselves on finding solutions to suit the unique needs of our clients. If you would like to discuss our commercial property tax loans, please contact our experienced team at AFIC today.


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Rates as Low as 8.0% (8.51% APR*) $25,000 loan,
$750 in Closing Costs, 120 Monthly Payments of $303.32

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Proudly Serving Austin (Travis County & Williamson County), Dallas (Dallas County), El Paso (El Paso County), Fort Worth (Tarrant County), Houston (Harris County, Fort Bend County, & Montgomery County), the Rio Grande Valley (McAllen, Pharr, Hidalgo County, & Cameron County), San Antonio (Bexar County), Waco (McLennan County) and the rest of Texas with Property Tax Loans.

YOUR TAX OFFICE MAY OFFER DELINQUENT TAX INSTALLMENT PLANS THAT MAY BE LESS COSTLY TO YOU. YOU CAN REQUEST INFORMATION ABOUT THE AVAILABILITY OF THESE PLANS FROM THE TAX OFFICE.

If you are over 64 or disabled, don’t get a property tax loan, contact your tax office about a deferral.

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