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Commercial Mortgage in Tampa, FL

Find lenders offering commercial mortgage in the Tampa, including St. Petersburg, Clearwater, Brandon, and surrounding areas. Compare rates, terms, and programs from 65 lenders.

Lenders
65
Typical Rate
6% - 8%
Down Payment
20-30%
Term
5-30 years (often 5-10 year terms with 25-30 year amortization)
Closing Time
30-60 days

Commercial Mortgage Lenders Serving Tampa

65 lenders offering commercial mortgage in the Tampa, FL area.

Newtek Bank, National Association

Local SBA

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.

1039 SBA loans
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Climate First Bank

Local SBA

St. Petersburg, FL

Mission-driven community bank focused on sustainability and an SBA preferred lender. Offers SBA 7(a) loans, solar and clean energy financing, commercial real estate lending, and conventional business loans with a focus on environmentally beneficial projects.

45 SBA loans
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SouthState Bank, National Association

Local SBA

WINTER HAVEN, FL

Florida-based regional bank offering SBA 7(a) loans, commercial real estate, equipment financing, and business banking. One of the largest community-oriented banks in the Southeast, serving businesses across Florida, Georgia, and the Carolinas.

25 SBA loans
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Live Oak Banking Company

SBA

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.

628 SBA loans
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The Huntington National Bank

SBA

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.

1337 SBA loans
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U.S. Bank, National Association

SBA

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.

846 SBA loans
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Celtic Bank Corporation

SBA

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.

442 SBA loans
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US Metro Bank

SBA

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.

85 SBA loans
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Readycap Lending, LLC

SBA

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.

563 SBA loans
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Bank of Hope

SBA

LOS ANGELES, CA

One of the largest Korean-American banks in the U.S. and a top SBA 7(a) lender. Offers commercial real estate loans, SBA lending, trade finance, and full-service commercial banking with branches across major metro areas.

134 SBA loans
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GBank

SBA

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.

54 SBA loans
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Wells Fargo Bank National Association

SBA

Sioux 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.

220 SBA loans
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First Internet Bank of Indiana

SBA

FISHERS, 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.

106 SBA loans
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First Bank of the Lake

SBA

Osage 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.

191 SBA loans
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United Midwest Savings Bank National Association

SBA

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.

302 SBA loans
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Tampa Commercial Real Estate Market

Tampa's commercial real estate market has expanded rapidly, with the Westshore Business District remaining the metro's largest office submarket and Water Street Tampa adding over 9 million square feet of mixed-use waterfront development. The I-4 corridor connecting Tampa to Orlando has become a magnet for industrial and logistics users, while Ybor City and the Channel District have emerged as live-work-play neighborhoods attracting tech tenants. St. Petersburg's downtown has undergone a renaissance with adaptive reuse projects and new multifamily construction along the waterfront. Tampa's relative affordability compared to Miami has made it a preferred destination for corporate relocations, including the financial services and insurance sectors.

Key Economic Drivers

  • Water Street Tampa and SPP mixed-use developments reshaping the downtown core
  • Westshore Business District as the metro's primary Class A office hub
  • I-4 corridor logistics and e-commerce fulfillment warehouse expansion
  • Corporate relocations from higher-cost metros, particularly in financial services and insurance

Market Insight

Tampa Bay's industrial vacancy rate has compressed to historic lows as e-commerce tenants compete for space along the I-75 and I-4 corridors, with speculative warehouse development outpacing most other Florida metros.

Commercial Mortgage in Tampa, Florida

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 Tampa metro area, borrowers can access 65 lenders offering Commercial Mortgage financing, including St. Petersburg, Clearwater, Brandon, 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

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

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