Commercial Lenders in Virginia
Browse 170 lenders serving Virginia across DSCR, SBA, bridge, construction, hard money, and more.
Virginia 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% downAll Virginia Lenders
170 commercial lenders serving Virginia.
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.
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 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.
TD Bank, National Association
SBAWILMINGTON, DE
One of the 10 largest banks in the U.S. and a major SBA preferred lender. Offers SBA 7(a) and Express loans, conventional business lending, commercial real estate, and treasury management services across the eastern U.S.
Manufacturers and Traders Trust Company
SBABUFFALO, NY
M&T Bank is a major regional bank and one of the top SBA lenders by loan count in the Northeast. Offers SBA 7(a), Express, and 504 loans alongside a full range of commercial banking, commercial real estate, and small business products.
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.
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.
Hanmi Bank
SBALOS ANGELES, CA
Community bank primarily serving Korean-American and multi-ethnic communities across the U.S. A top SBA 7(a) lender offering commercial real estate loans, SBA lending, trade finance, and full-service business banking.
Metro City Bank
SBADORAVILLE, GA
Community bank headquartered in the Atlanta metro area, serving diverse business communities nationwide. A top SBA 7(a) lender specializing in commercial real estate, hospitality, and gas station financing.
United Community Bank
SBAGreenville, SC
Regional bank serving the Southeast and an SBA preferred lender. Offers SBA 7(a) and 504 loans, conventional commercial lending, commercial real estate, equipment financing, and comprehensive business banking.
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.
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.
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.
HomeTrust Bank
SBAASHEVILLE, NC
Asheville, North Carolina-based regional bank offering SBA 7(a) loans, commercial mortgages, and business banking. Serves small businesses across the Carolinas, Virginia, and Tennessee.
Complete Virginia Lender Directory
All 170 commercial lenders serving Virginia, A–Z.
- 504 Capital Corporation — Chesapeake, VA
- A&D Mortgage — Fort Lauderdale, FL
- Accion Opportunity Fund Community Development — San Jose, CA
- Acore Capital — New York, NY
- Acra Lending
- Aloha Capital
- Anchor Loans — Thousand Oaks, CA
- Angel Oak Mortgage Solutions — Atlanta, GA
- Angel Oak Mortgage Solutions — Atlanta, GA
- Arbor Realty Trust — Uniondale, NY
- Arc Home
- Athas Capital Group
- Atlantic Union Bank — RICHMOND, VA
- Bank Five Nine — OCONOMOWOC, WI
- Bank of America — Charlotte, NC
- Bank of Clarke — BERRYVILLE, VA
- Bank of Oak Ridge — OAK RIDGE, NC
- Barclays — New York, NY
- Berkadia — Ambler, PA
- Broadmark Realty Capital — Seattle, WA
- Business Finance Group, Inc. — Fairfax, VA
- Capital Bank, National Association — ROCKVILLE, MD
- Capital One, National Association — MCLEAN, VA
- Carrington Mortgage Services — Anaheim, CA
- CBRE Capital Markets — Dallas, TX
- Centerstone SBA Lending, Inc. — LOS ANGELES, CA
- Change Lending
- Citigroup — New York, NY
- Civic Financial Services — Redondo Beach, CA
- Colony Bank — FITZGERALD, GA
- ConnectOne Bank — ENGLEWOOD CLIFFS, NJ
- Constitution Lending
- CoreVest Finance — Irvine, CA
- CRF Small Business Loan Company, LLC — MINNEAPOLIS, MN
- CrossCountry Mortgage — Cleveland, OH
- Cushman & Wakefield — Chicago, IL
- Deephaven Mortgage — Charlotte, NC
- Defy Mortgage
- Deutsche Bank — New York, NY
- East West Bank — PASADENA, CA
- Easy Street Capital — Austin, TX
- Finance of America — Plano, TX
- First Business Bank — MADISON, WI
- First Command Bank — FORT WORTH, TX
- First Community Bank — Batesville, AR
- First Financial Bank — Cincinnati, OH
- First National Bank of America — East Lansing, MI
- First-Citizens Bank & Trust Company — RALEIGH, NC
- Flagstar Bank — Hicksville, NY
- Freedom First Federal Credit Union — Roanoke, VA
- Fulton Bank, National Association — LANCASTER, PA
- Goldman Sachs — New York, NY
- Grasshopper Bank National Association — New York, NY
- Greystone — New York, NY
- Griffin Funding
- Groundfloor — Atlanta, GA
- Hanover Community Bank — Mineola, NY
- HomeXpress Mortgage
- iBorrow
- Janover — Boca Raton, FL
- JLL Capital Markets — Chicago, IL
- JMAC Lending
- John Marshall Bank — RESTON, VA
- 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
- LINKBANK — Camp Hill, PA
- LoanCore Capital — Hartford, CT
- Lument — New York, NY
- Luxury Mortgage Corp — Stamford, CT
- Magnifi Financial CU — MELROSE, MN
- MainStreet Bank — FAIRFAX, VA
- Merchants Capital — Indianapolis, IN
- Meridian Bank — MALVERN, PA
- Mesa West Capital — Los Angeles, CA
- Morgan Stanley — New York, NY
- MortgageRight — Austin, TX
- New American Funding — Tustin, CA
- New Horizon Bank, National Association — POWHATAN, VA
- New Millennium Bank — FORT LEE, NJ
- New Peoples Bank, Inc. — HONAKER, VA
- 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
- Park View FCU — HARRISONBURG, VA
- Pendleton Community Bank Inc — FRANKLIN, WV
- Peoples Bank — BELLINGHAM, WA
- Planet Home Lending — Meriden, CT
- PNC Bank, National Association — WILMINGTON, DE
- PNC Real Estate — Pittsburgh, PA
- Potomac Bank — CHARLES TOWN, WV
- Primis Bank — TAPPAHANNOCK, VA
- PromiseOne Bank — DULUTH, GA
- Quaint Oak Bank — Southampton, PA
- Quontic Bank — New York, NY
- Rappahannock Economic Development Corporation — Fredericksburg, VA
- RCN Capital — South Windsor, CT
- Ready Capital — New York, NY
- Residential Capital Partners
- Residential Mortgage Solutions
- Roc Capital — New York, NY
- Rocket Mortgage — Detroit, MI
- Sabal Capital Partners — Pasadena, CA
- Select Bank — FOREST, VA
- Somerset Trust Company — SOMERSET, PA
- Southern Bank and Trust Company — MOUNT OLIVE, NC
- SouthState Bank, National Association — WINTER HAVEN, FL
- Sprout Mortgage — New York, NY
- Stbridge Capital — Los Angeles, CA
- Stone Bank — MOUNTAIN VIEW, AR
- TD Bank — Cherry Hill, NJ
- Temple View Capital
- The Bank of Edison — EDISON, GA
- The Freedom Bank of Virginia — Fairfax, VA
- The National Bank of Blacksburg — BLACKSBURG, VA
- Tidal Loans — Houston, TX
- TowneBank — PORTSMOUTH, VA
- Triad Financial Services — Jacksonville, FL
- Truist Bank — Charlotte, NC
- Truliant FCU — Winston-Salem, NC
- Truss Financial Group
- United FCU — SAINT JOSEPH, MI
- US Bank — Minneapolis, MN
- UWM (United Wholesale Mortgage) — Pontiac, MI
- Vaster — Miami, FL
- Velocity Mortgage Capital — Westlake Village, CA
- Verus Mortgage Capital — Washington, DC
- Visio Lending — Austin, TX
- Walker & Dunlop — Bethesda, MD
- Wells Fargo — San Francisco, CA
- Woori America Bank — New York, NY
Commercial Lending in Virginia
Virginia's Northern Virginia region has become the world's largest data center market and a major technology hub, anchored by Amazon HQ2 and proximity to Washington, D.C. The Hampton Roads area supports a significant military and port-related economy.
Northern Virginia's Loudoun County contains the densest concentration of data centers in the world, driven by low-latency connectivity and favorable local tax policies that have made data center development the dominant CRE asset class in the area. Virginia's Business Ready Sites Program and Enterprise Zone program provide grants and tax credits that can enhance CRE development economics, particularly in areas outside Northern Virginia. The state's Uniform Statewide Building Code and relatively streamlined permitting process compared to neighboring jurisdictions give Virginia a development timeline advantage that attracts institutional CRE capital.
Key Industries
Foreclosure Type
Non-judicial
Foreclosures proceed outside the court system, typically faster (2-6 months).