Commercial Lenders in Arizona
Browse 159 lenders serving Arizona across DSCR, SBA, bridge, construction, hard money, and more.
Arizona Lenders by Loan Type
DSCR Loans
7.0% - 9.5% · 20-25% downSBA 7(a) Loans
Prime + 1.5% to 3.75% · 10-20% downSBA 504 Loans
Below market (CDC portion ~5-6%) · 10% downBridge Loans
8% - 12% · 20-30% downConstruction Loans
7% - 10% · 20-35% downCommercial Mortgage
6% - 8% · 20-30% downHard Money Loans
9% - 12%+ · 10-25%+ cash in downCMBS Loans
5.5% - 8% · 25-35% downMezzanine Loans
6.75% - 11.97% · Often 10-25% sponsor equity downUSDA Business Loans
Fixed or variable, negotiated with lender · 10% existing business, 20% new business downNon-QM Loans
6.5% - 10% · 10-25% downBuying an investment property in Arizona?
Arizona gets a lot of investor and vacation-rental traffic, which makes DSCR fit strong here, but only if the lender is aligned on the property's real income profile. Before you pick a lender, read the DSCR loans guide, compare quotes on the rates page, and then browse DSCR lenders in Arizona.
All Arizona Lenders
159 commercial lenders serving Arizona.
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.
Harvest Small Business Finance, LLC
SBALaguna Hills, CA
Non-bank SBA preferred lender specializing in SBA 7(a) loans for commercial real estate acquisition and refinancing. Focuses on owner-occupied commercial properties with loans up to $5 million.
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.
Port 51 Lending LLC
SBANew York, NY
Non-bank SBA preferred lender specializing in high-value SBA 7(a) loans for commercial real estate and business acquisitions. Focuses on larger SBA transactions with an average deal size well above industry norms.
California Statewide Certified Development Corporation
SBADavis, CA
One of California's largest Certified Development Companies (CDCs), specializing in SBA 504 loans for commercial real estate and heavy equipment. Provides long-term, below-market fixed-rate financing for owner-occupied properties.
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.
Bank of America, National Association
SBACharlotte, 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.
Cadence Bank
SBATUPELO, MS
Regional bank serving the Southeast and Texas, and an active SBA preferred lender. Offers SBA 7(a) and 504 loans, commercial real estate lending, equipment financing, and full-service business banking.
JPMorgan Chase Bank, National Association
SBAColumbus, OH
The largest bank in the U.S. and an SBA preferred lender. Offers SBA 7(a) loans, conventional business lending, commercial real estate, lines of credit, and comprehensive financial services for businesses of all sizes.
Citizens Bank
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.
Commonwealth Business Bank
SBALOS ANGELES, CA
Community bank serving the Korean-American and diverse business communities in Southern California. A top SBA 7(a) lender specializing in commercial real estate, trade finance, and business acquisition loans.
CenTrust Bank, A Division of SmartBiz Bank National Associat
SBANorthbrook, IL
Technology-driven SBA lender operating through the SmartBiz platform. Offers streamlined SBA 7(a) loans with a fast online application process, serving small businesses nationwide with loans for working capital, debt refinancing, and commercial real estate.
Community Bank & Trust-West Georgia
SBALAGRANGE, 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.
Zions Bank, A Division of
SBASALT LAKE CITY, UT
Major Western U.S. bank and SBA preferred lender. Offers SBA 7(a) and 504 loans, conventional commercial lending, commercial real estate, equipment financing, and agricultural lending across the Mountain West.
VelocitySBA, LLC
SBAIrving, TX
Non-bank SBA preferred lender specializing exclusively in SBA 7(a) loans for commercial real estate acquisition. Focuses on hotel, gas station, and convenience store financing with a streamlined approval process.
Lendistry SBLC, LLC
SBALos 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
SBAWarwick, 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.
Wilmington Savings Fund Society FSB
SBAWILMINGTON, DE
Delaware-based regional bank and SBA preferred lender. Offers SBA 7(a) and 504 loans, conventional commercial lending, commercial real estate financing, and full-service business banking across the Mid-Atlantic region.
Complete Arizona Lender Directory
All 159 commercial lenders serving Arizona, A–Z.
- A&D Mortgage — Fort Lauderdale, FL
- Accion Opportunity Fund Community Development — San Jose, CA
- Acore Capital — New York, NY
- Acra Lending
- Aloha Capital
- America First FCU — RIVERDALE, UT
- Anchor Loans — Thousand Oaks, CA
- Angel Oak Mortgage Solutions — Atlanta, GA
- Angel Oak Mortgage Solutions — Atlanta, GA
- Arbor Realty Trust — Uniondale, NY
- Arc Home
- Arizona Capital Source — Tucson, AZ
- Arizona Financial Credit Union — PHOENIX, AZ
- Athas Capital Group
- Bank Five Nine — OCONOMOWOC, WI
- Bank of America — Charlotte, NC
- Barclays — New York, NY
- Bell Bank — Fargo, ND
- Berkadia — Ambler, PA
- BMO Bank National Association — Chicago, IL
- Broadmark Realty Capital — Seattle, WA
- Busey Bank — CHAMPAIGN, IL
- Capital Community Bank — PROVO, UT
- Capital One, National Association — MCLEAN, VA
- Carrington Mortgage Services — Anaheim, CA
- CBRE Capital Markets — Dallas, TX
- CDC Small Business Finance Corp. — San Diego, CA
- Change Lending
- CIBC Bank USA — CHICAGO, IL
- Citigroup — New York, NY
- City National Bank — LOS ANGELES, CA
- Civic Financial Services — Redondo Beach, CA
- Coastal States Bank — Hilton Head Island, SC
- Comerica Bank — DALLAS, TX
- Constitution Lending
- CoreVest Finance — Irvine, CA
- CrossCountry Mortgage — Cleveland, OH
- Cushman & Wakefield — Chicago, IL
- Deephaven Mortgage — Charlotte, NC
- Defy Mortgage
- Deutsche Bank — New York, NY
- Easy Street Capital — Austin, TX
- Everwise Credit Union — SOUTH BEND, IN
- Evolve Bank and Trust — WEST MEMPHIS, AR
- Finance of America — Plano, TX
- First Commonwealth Bank — Indiana, PA
- First National Bank of America — East Lansing, MI
- First Savings Bank — Beresford, SD
- First Western Trust — Denver, CO
- Flagstar Bank — Hicksville, NY
- FWBank — Chicago, IL
- Glacier Bank — KALISPELL, MT
- Goldman Sachs — New York, NY
- Grasshopper Bank National Association — New York, NY
- Greystone — New York, NY
- Griffin Funding
- Groundfloor — Atlanta, GA
- Gulf Coast Bank and Trust Company — NEW ORLEANS, LA
- Heritage Bank Inc — Burlington, KY
- HomeXpress Mortgage
- iBorrow
- Integro Bank — Phoenix, AZ
- Janover — Boca Raton, FL
- JLL Capital Markets — Chicago, IL
- JMAC Lending
- JPMorgan Chase — New York, NY
- KeyBank Real Estate Capital — Cleveland, OH
- Kiavi — San Francisco, CA
- Kind Lending — Santa Ana, CA
- Lending One — Boca Raton, FL
- Lima One Capital — Greenville, SC
- LoanCore Capital — Hartford, CT
- Lument — New York, NY
- Luxury Mortgage Corp — Stamford, CT
- Meadows Bank — LAS VEGAS, NV
- Merchants Capital — Indianapolis, IN
- Mesa West Capital — Los Angeles, CA
- MidFirst Bank — OKLAHOMA CITY, OK
- Midwest Regional Bank — FESTUS, MO
- Mission Valley Bank — SUN VALLEY, CA
- Morgan Stanley — New York, NY
- MortgageRight — Austin, TX
- Mountain America FCU — SANDY, UT
- New American Funding — Tustin, CA
- New Silver Lending
- Newfi Wholesale — Emeryville, CA
- Newmark — New York, NY
- North American Savings Bank — Kansas City, MO
- North State Bank — RALEIGH, NC
- Northeast Bank — MINNEAPOLIS, MN
- Northmarq — Minneapolis, MN
- Oaktree Funding
- Park Place Finance
- Planet Home Lending — Meriden, CT
- PNC Bank, National Association — WILMINGTON, DE
- PNC Real Estate — Pittsburgh, PA
- Quontic Bank — New York, NY
- RCN Capital — South Windsor, CT
- Ready Capital — New York, NY
- Red River State Bank — HALSTAD, MN
- Residential Capital Partners
- Residential Mortgage Solutions
- Roc Capital — New York, NY
- Rocket Mortgage — Detroit, MI
- Sabal Capital Partners — Pasadena, CA
- Southwest Heritage Bank — Scottsdale, AZ
- Sprout Mortgage — New York, NY
- Stbridge Capital — Los Angeles, CA
- Summit State Bank — SANTA ROSA, CA
- TD Bank — Cherry Hill, NJ
- Temple View Capital
- The Bancorp Bank National Association — Sioux Falls, SD
- Tidal Loans — Houston, TX
- Triad Financial Services — Jacksonville, FL
- Truss Financial Group
- Tucson FCU — Tucson, AZ
- UMB Bank, National Association — KANSAS CITY, MO
- US Bank — Minneapolis, MN
- UWM (United Wholesale Mortgage) — Pontiac, MI
- Valley National Bank — PASSAIC, NJ
- Vaster — Miami, FL
- Velocity Mortgage Capital — Westlake Village, CA
- Verus Mortgage Capital — Washington, DC
- Visio Lending — Austin, TX
- WaFd Bank — SEATTLE, WA
- Walker & Dunlop — Bethesda, MD
- Wallis Bank — WALLIS, TX
- Wells Fargo — San Francisco, CA
- Western Alliance Bank — PHOENIX, AZ
Commercial Lending in Arizona
Arizona has become a magnet for semiconductor fabrication facilities, with TSMC and Intel making massive investments in the Phoenix metro area. The state's rapid population growth consistently ranks among the highest in the nation, fueling broad CRE demand.
Arizona's Transaction Privilege Tax applies to commercial lease income, effectively functioning as a gross receipts tax on rental revenue that landlords must factor into underwriting. Maricopa County's population growth has driven Phoenix to become one of the top industrial markets in the country, particularly for data centers and logistics facilities. Water availability is an increasingly important due diligence factor, as the state manages Colorado River allocation reductions that can affect long-term development feasibility.
Key Industries
Foreclosure Type
Non-judicial
Foreclosures proceed outside the court system, typically faster (2-6 months).