Commercial Mortgage in Arkansas
Browse 20 lenders offering commercial mortgage in Arkansas. Compare rates, requirements, and loan programs — then connect directly.
Commercial Mortgage Lenders in Arkansas
20 lenders offering commercial mortgage to borrowers in Arkansas.
Live Oak Banking Company
WILMINGTON, 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
COLUMBUS, 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
Miami, 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
Cincinnati, 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
SALT 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
GARDEN 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
BERKELEY 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
LAS 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.
United Midwest Savings Bank National Association
DE 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
CINCINNATI, 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.
Bank of America, National Association
Charlotte, NC
One of the largest banks in the world and an SBA preferred lender. Offers SBA 7(a) loans, conventional business lending, commercial real estate, lines of credit, equipment financing, and comprehensive treasury management.
Community Bank & Trust-West Georgia
LAGRANGE, GA
Community bank in West Georgia and a top SBA 7(a) preferred lender. Specializes in SBA lending for business acquisitions and commercial real estate with a focus on hospitality and franchise businesses.
Lendistry SBLC, LLC
Los Angeles, CA
CDFI and SBA community advantage lender focused on providing responsible lending to small businesses in underserved communities. Offers SBA 7(a) loans, microloans, and commercial real estate financing with a focus on minority and women-owned businesses.
Shoreham Bank
Warwick, RI
Rhode Island-based community bank and SBA preferred lender. Offers SBA 7(a) loans for business acquisitions and commercial real estate, with a focus on hospitality and franchise financing in the Northeast.
The Bancorp Bank National Association
Sioux Falls, SD
Fintech-enabling bank and SBA preferred lender. Provides SBA 7(a) loans alongside its primary business of providing private-label banking and financial services through fintech partnerships.
Colony Bank
FITZGERALD, GA
Georgia-based community bank offering SBA 7(a) loans, commercial real estate, and small business banking. Serves businesses throughout Georgia with relationship-focused lending.
OakStar Bank
SPRINGFIELD, MO
Springfield, Missouri-based bank offering SBA 7(a) loans, commercial lending, and business banking. A trusted community bank serving small businesses across the Ozarks region.
Southern Bancorp Bank
Arkadelphia, AR
Arkansas-based community development bank and one of the largest CDFIs in the U.S. Offers SBA 7(a) loans, commercial real estate, and mission-driven lending focused on underserved rural and urban communities.
Regions Bank
BIRMINGHAM, AL
Birmingham, Alabama-based regional bank offering SBA 7(a) and 504 loans, commercial real estate, equipment financing, and business lines of credit. Major lender across 15 southern and midwestern states.
Bank Five Nine
OCONOMOWOC, WI
Oconomowoc, Wisconsin-based community bank offering SBA 7(a) loans, commercial real estate, and business banking. A trusted lender serving businesses throughout southeastern Wisconsin.
About Commercial Mortgage in Arkansas
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 Arkansas, 20 lenders currently offer Commercial Mortgage financing with loan amounts from $250K to $50M and rates typically ranging from 6% - 8%.
Arkansas Market Overview
Northwest Arkansas, anchored by Walmart, Tyson Foods, and J.B. Hunt, has emerged as a fast-growing commercial market with significant office and industrial demand. The state offers a low cost of doing business and competitive incentive programs.
Arkansas's real property tax rates are among the lowest in the U.S., and the state caps annual assessment increases at 5% for commercial properties under Amendment 79, providing predictable operating expenses. The Northwest Arkansas corridor has seen outsized CRE growth driven by vendors and suppliers locating near Walmart's Bentonville headquarters. The state's Consolidated Incentive Act offers tax credits for businesses making significant capital investments, which can enhance returns on owner-occupied commercial properties.
Who Should Consider Commercial Mortgage?
- Stabilized income properties
- Long-term holds
- Refinancing
- Experienced investors
Key Requirements
- Stabilized property with income history
- DSCR ≥ 1.20-1.25
- LTV ≤ 75-80%
- Borrower experience and liquidity
Pros and Cons
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 FAQ
What's the difference between a commercial mortgage and a residential mortgage? ▼
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