Commercial Mortgage in Tucson, AZ
Find lenders offering commercial mortgage in the Tucson, including Marana, Oro Valley, South Tucson, and surrounding areas. Compare rates, terms, and programs from 45 lenders.
Which Commercial Mortgage lenders serve Tucson?
45 lenders offering commercial mortgage in the Tucson, AZ area.
Live Oak Banking Company
SBAWILMINGTON, NC
One of the nation's top SBA 7(a) lenders, specializing in lending to small businesses across healthcare, veterinary, beverage, self-storage, and other industries. Offers SBA loans, USDA loans, conventional business loans, and commercial real estate financing.
The Huntington National Bank
SBACOLUMBUS, OH
Major regional bank and consistently one of the top SBA lenders in the country by number of loans. Offers SBA 7(a) and 504 loans alongside conventional business lending, commercial real estate, and treasury management services.
Newtek Bank, National Association
SBAMiami, FL
Technology-driven SBA preferred lender providing 7(a) loans to small and medium-sized businesses nationwide. Part of Newtek Business Services Corp, offering integrated business solutions including lending, payments, and technology services.
U.S. Bank, National Association
SBACincinnati, OH
Fifth-largest commercial bank in the U.S. and a top SBA preferred lender. Offers SBA 7(a) and 504 loans, conventional commercial lending, commercial real estate, and a full suite of business banking products.
Celtic Bank Corporation
SBASALT LAKE CITY, UT
Industrial bank and top SBA preferred lender headquartered in Salt Lake City. Specializes in SBA 7(a) lending for business acquisitions, partner buyouts, commercial real estate, and working capital. Also offers USDA business loans.
US Metro Bank
SBAGARDEN GROVE, CA
Community bank serving Southern California's diverse business community. A top SBA 7(a) lender specializing in commercial real estate and business acquisition loans, with particular strength in the Korean-American business community.
Readycap Lending, LLC
SBABERKELEY HEIGHTS, NJ
Non-bank SBA preferred lender offering SBA 7(a) and 504 loans nationwide. Specializes in commercial real estate, business acquisition, and expansion financing for small businesses. Known for fast closings and flexible underwriting.
GBank
SBALAS VEGAS, NV
Fast-growing community bank based in Las Vegas and a top SBA preferred lender. Specializes in SBA 7(a) loans for hospitality, gas stations, convenience stores, and commercial real estate acquisition.
Wells Fargo Bank National Association
SBASioux Falls, SD
One of the largest banks in the U.S. and a major SBA preferred lender. Offers the full range of SBA programs including 7(a) and 504 loans, alongside conventional commercial lending, commercial real estate, and equipment financing.
First Internet Bank of Indiana
SBAFISHERS, IN
Nation's first state-chartered, FDIC-insured internet bank and a top SBA preferred lender. Offers SBA 7(a) loans, conventional commercial lending, franchise financing, and healthcare practice loans nationwide.
First Bank of the Lake
SBAOsage Beach, MO
Community bank based at the Lake of the Ozarks and a top SBA 7(a) preferred lender. Specializes in SBA lending for business acquisitions, commercial real estate, and partner buyouts. Known for lending to franchises and hospitality businesses.
United Midwest Savings Bank National Association
SBADE GRAFF, OH
Community bank and SBA preferred lender based in Ohio. Specializes in SBA 7(a) loans for small businesses, including business acquisitions, commercial real estate, and working capital financing.
Fifth Third Bank
SBACINCINNATI, OH
Major regional bank and SBA preferred lender with operations across the Midwest and Southeast. Offers SBA 7(a) and 504 loans, conventional commercial lending, equipment financing, and commercial real estate loans.
Pathward National Association
SBASIOUX FALLS, SD
Technology-forward financial institution and SBA preferred lender. Specializes in SBA 7(a) loans, warehouse lending, and commercial finance solutions. Known for serving underbanked markets and fintech partnerships.
Enterprise Bank & Trust
SBACLAYTON, MO
Midwest-based bank and top SBA preferred lender. Offers SBA 7(a) and 504 loans, conventional commercial lending, commercial real estate financing, and specialty lending for industries like healthcare and professional services.
What does the Tucson commercial real estate market look like?
Tucson's CRE market benefits from the University of Arizona's research activity, Davis-Monthan Air Force Base, and Raytheon Missiles & Defense's significant manufacturing presence on the south side of the city. The Broadway Boulevard and Grant Road corridors serve as primary east-west commercial arteries, while office and medical demand clusters around the Banner-University Medical Center campus near downtown. The Marana and Oro Valley submarkets along the I-10 corridor north of the city have attracted newer retail, medical office, and industrial development. Tucson's cost basis for land and construction runs significantly below Phoenix, attracting investors seeking higher yields in a university-anchored market.
Key Economic Drivers
- ●Raytheon Missiles & Defense manufacturing campus, one of the city's largest private employers
- ●University of Arizona research programs and Tech Parks Arizona incubator
- ●Davis-Monthan Air Force Base and 309th Aerospace Maintenance and Regeneration Group
- ●Banner-University Medical Center and regional healthcare expansion
Market Insight
Tucson's Sun Corridor designated area has attracted data center and logistics investment from major operators seeking lower power costs and available land, with commercial lease rates running 30-40% below Phoenix, offering a value alternative in the Arizona market.
How do commercial mortgage work in Tucson, Arizona?
Conventional commercial mortgages provide long-term financing for stabilized, income-producing commercial properties. Offered by banks, credit unions, and institutional lenders with competitive rates for qualified borrowers and properties. In the Tucson metro area, borrowers can access 45 lenders offering Commercial Mortgage financing, including Marana, Oro Valley, South Tucson, and surrounding areas. Loan amounts typically range from $250K to $50M with rates from 6% - 8%.
Who should consider commercial mortgage?
- Stabilized income properties
- Long-term holds
- Refinancing
- Experienced investors
What are the key requirements?
- Stabilized property with income history
- DSCR ≥ 1.20-1.25
- LTV ≤ 75-80%
- Borrower experience and liquidity
Advantages
- ✓Lower rates than bridge/hard money
- ✓Longer terms
- ✓Predictable payments
- ✓Build equity over time
Considerations
- •Stricter underwriting
- •Longer closing timeline
- •Prepayment penalties
- •Recourse may be required
Commercial Mortgage in Tucson FAQ
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