Commercial Mortgage in Memphis, TN
Find lenders offering commercial mortgage in the Memphis, including Germantown, Collierville, Bartlett, and surrounding areas. Compare rates, terms, and programs from 43 lenders.
Commercial Mortgage Lenders Serving Memphis
43 lenders offering commercial mortgage in the Memphis, TN area.
Citizens Bank
Local SBAELIZABETHTON, TN
Regional bank based in Tennessee and an SBA preferred lender. Provides SBA 7(a) loans, conventional commercial lending, and business banking services to small and medium-sized businesses in the Southeast.
First Horizon Bank
Local SBAMEMPHIS, TN
Memphis-based regional bank offering SBA 7(a) loans, commercial real estate, equipment financing, and treasury management. One of the largest banks in the Southeast with a strong small business lending program.
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.
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.
Bank of Hope
SBALOS 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.
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.
Memphis Commercial Real Estate Market
Memphis is a nationally significant logistics and distribution hub, home to FedEx's global SuperHub at Memphis International Airport — the busiest cargo airport in North America — which anchors an extensive industrial and warehouse market in the Olive Branch, Southaven, and I-269 corridors. The downtown Medical District, home to St. Jude Children's Research Hospital and the University of Tennessee Health Science Center, has attracted billions in biomedical research investment and is the city's primary growth engine for medical office and life sciences space. The Beale Street entertainment district and the revitalized Edge District generate tourism and hospitality demand, while the Crosstown Concourse adaptive reuse project has demonstrated a model for repurposing large-scale commercial buildings. Industrial properties in the Southeast Memphis and I-55 corridors remain the market's strongest CRE performers by volume.
Key Economic Drivers
- ●FedEx global SuperHub at Memphis International Airport, the busiest cargo airport in North America
- ●St. Jude Children's Research Hospital's $12.9 billion six-year expansion program
- ●Ford Motor Company's BlueOval City EV manufacturing complex in nearby Stanton, Tennessee
- ●International Paper, AutoZone, and First Horizon headquarters anchoring downtown office demand
Market Insight
St. Jude Children's Research Hospital is investing $12.9 billion over six years in its campus expansion in the Memphis Medical District, making it one of the largest single-institution capital investment programs in any U.S. city and a major catalyst for adjacent CRE development.
Commercial Mortgage in Memphis, Tennessee
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 Memphis metro area, borrowers can access 43 lenders offering Commercial Mortgage financing, including Germantown, Collierville, Bartlett, 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
Commercial Mortgage in Other Tennessee Cities
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