Commercial Lenders in Iowa
Browse 128 lenders serving Iowa across DSCR, SBA, bridge, construction, hard money, and more.
Iowa 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
10% - 15% · 25-40% downCMBS Loans
5.5% - 8% · 25-35% downMezzanine Loans
10% - 18% · Reduces equity to 5-15% total downUSDA Business Loans
Variable or fixed, competitive · 10-20% downNon-QM Loans
6.5% - 10% · 10-25% downAll Iowa Lenders
128 commercial lenders serving Iowa.
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.
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.
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.
Byline Bank
SBACHICAGO, IL
Chicago-based bank and one of the top SBA 7(a) lenders in the Midwest. Provides SBA loans, commercial real estate financing, equipment loans, and government-guaranteed lending for small and mid-sized businesses.
Brookline Bank, a Division of Beacon Bank and Trust
SBABrookline, MA
Community bank in the Boston metro area and SBA preferred lender. Offers SBA 7(a) loans for business expansion, equipment, and commercial real estate, along with conventional commercial lending and treasury 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.
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.
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.
T Bank, National Association
SBADALLAS, TX
Texas-based community bank and SBA preferred lender. Specializes in SBA 7(a) loans for commercial real estate acquisition and business expansion, with a focus on hospitality and convenience store industries.
Climate First Bank
SBASt. 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.
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.
Milestone Bank
SBASalt Lake City, UT
Utah-based community bank and SBA preferred lender. Specializes in SBA 7(a) loans for commercial real estate, business acquisitions, and expansion financing in the Mountain West region.
Truliant FCU
SBAWinston-Salem, NC
Winston-Salem, NC-based credit union serving members across the Carolinas and Virginia. Offers SBA 7(a) loans, commercial real estate financing, and business accounts with competitive credit union rates.
Merchants Bank of Indiana
SBACARMEL, IN
Carmel, Indiana-based SBA Preferred Lender offering faster approvals and flexible SBA 7(a) financing. Provides commercial real estate loans, equipment financing, and business banking services.
Bell Bank
SBAFargo, ND
Fargo, North Dakota-based bank and one of the largest independently owned banks in the nation. Offers SBA 7(a) loans, commercial real estate, equipment financing, and business banking across the Upper Midwest and Arizona.
Capital Bank, National Association
SBAROCKVILLE, MD
Rockville, Maryland-based bank offering SBA 7(a) loans, commercial real estate, and business banking services. Serves businesses in the Washington, D.C. metropolitan area and Mid-Atlantic region.
North Texas Certified Development Corporation
SBAPlano, TX
Plano, Texas-based Certified Development Company providing SBA 504 loans to small businesses in North Texas. Offers long-term, fixed-rate financing for commercial real estate acquisition and construction.
American National Bank
SBAOmaha, NE
Omaha, Nebraska-based bank offering SBA 7(a) loans, commercial real estate, equipment financing, and business banking. Serves businesses across Nebraska and the Great Plains region.
A&D Mortgage
Fort Lauderdale, FL
Wholesale non-QM lender. DSCR loans with 0 minimum DSCR, 80% max LTV, min FICO 620.
Acore Capital
New York, NY
Commercial real estate finance company providing bridge, mezzanine, and preferred equity. $20B+ in originations. Institutional-quality deals.
Anchor Loans
Thousand Oaks, CA
One of the largest hard money lenders in the US. Fix-and-flip, bridge, and rental loans. Fast closings with competitive terms for experienced investors.
Angel Oak Mortgage Solutions
Atlanta, GA
Major non-QM and DSCR lender. Investor cash flow loans up to $1.5M. 40-year terms with interest-only options. No limit on properties.
Arbor Realty Trust
Uniondale, NY
Major CRE lender and REIT. Bridge, permanent, and agency financing. Specializes in multifamily and commercial properties.
Athas Capital Group
CA
Wholesale non-QM lender offering bank statement, DSCR, asset qualifier, and foreign national programs.
Commercial Lending in Iowa
Iowa's economy is anchored by agriculture and insurance, with Des Moines serving as a major financial services center and home to Principal Financial Group and other industry leaders. The state has become a significant player in wind energy and data center development.
Iowa's property tax system assesses commercial property at 90% of market value with a rollback factor that effectively reduces the taxable amount, though effective rates remain above the national average. The state's abundant and affordable wind energy has attracted major data center investments from Google, Facebook, and Microsoft, creating specialized industrial CRE demand. Iowa's High Quality Jobs Program offers tax incentives for projects that create jobs paying at least 120% of the county or regional average wage, which can benefit owner-occupied commercial developments.
Key Industries
Foreclosure Type
Judicial
Foreclosures go through the court system, which can take 6-18+ months.