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.
TowneBank
SBAPORTSMOUTH, VA
Virginia-based regional bank providing SBA 7(a) loans, commercial real estate financing, and business banking services. Serves businesses across Virginia, North Carolina, and Maryland.
Capital One, National Association
SBAMCLEAN, VA
One of the nation's largest banks, offering SBA 7(a) loans, commercial real estate, lines of credit, and treasury management. Provides full-service business banking with digital-first convenience for small and mid-sized businesses.
Primis Bank
SBATAPPAHANNOCK, VA
Atlantic Union Bank
SBARICHMOND, VA
Business Finance Group, Inc.
SBAFairfax, VA
504 Capital Corporation
SBAChesapeake, VA
Bank of Clarke
SBABERRYVILLE, VA
Rappahannock Economic Development Corporation
SBAFredericksburg, VA
The Freedom Bank of Virginia
SBAFairfax, VA
John Marshall Bank
SBARESTON, VA
Freedom First Federal Credit Union
SBARoanoke, VA
New Horizon Bank, National Association
SBAPOWHATAN, VA
New Peoples Bank, Inc.
SBAHONAKER, VA
Select Bank
SBAFOREST, VA
MainStreet Bank
SBAFAIRFAX, VA
The National Bank of Blacksburg
SBABLACKSBURG, VA
Park View FCU
SBAHARRISONBURG, VA
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.
Complete Virginia Lender Directory
All 170 commercial lenders serving Virginia, 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
- 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
- Bank Five Nine — OCONOMOWOC, WI
- Bank of America — Charlotte, NC
- Bank of Oak Ridge — OAK RIDGE, NC
- Barclays — New York, NY
- Berkadia — Ambler, PA
- Broadmark Realty Capital — Seattle, WA
- Brookline Bank, a Division of Beacon Bank and Trust — Brookline, MA
- Cadence Bank — TUPELO, MS
- Capital Bank, National Association — ROCKVILLE, MD
- Carrington Mortgage Services — Anaheim, CA
- CBRE Capital Markets — Dallas, TX
- Centerstone SBA Lending, Inc. — LOS ANGELES, CA
- CenTrust Bank, A Division of SmartBiz Bank National Associat — Northbrook, IL
- Change Lending
- Citigroup — New York, NY
- Citizens Bank — ELIZABETHTON, TN
- Civic Financial Services — Redondo Beach, CA
- Colony Bank — FITZGERALD, GA
- Commonwealth Business Bank — LOS ANGELES, CA
- Community Bank & Trust-West Georgia — LAGRANGE, 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
- 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
- Hanmi Bank — LOS ANGELES, CA
- Hanover Community Bank — Mineola, NY
- HomeTrust Bank — ASHEVILLE, NC
- HomeXpress Mortgage
- iBorrow
- Janover — Boca Raton, FL
- JLL Capital Markets — Chicago, IL
- JMAC Lending
- JPMorgan Chase — New York, NY
- JPMorgan Chase Bank, National Association — Columbus, OH
- KeyBank Real Estate Capital — Cleveland, OH
- Kiavi — San Francisco, CA
- Kind Lending — Santa Ana, CA
- Lending One — Boca Raton, FL
- Lendistry SBLC, LLC — Los Angeles, CA
- 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
- Manufacturers and Traders Trust Company — BUFFALO, NY
- Merchants Capital — Indianapolis, IN
- Meridian Bank — MALVERN, PA
- Mesa West Capital — Los Angeles, CA
- Metro City Bank — DORAVILLE, GA
- Milestone Bank — Salt Lake City, UT
- Morgan Stanley — New York, NY
- MortgageRight — Austin, TX
- New American Funding — Tustin, CA
- New Millennium Bank — FORT LEE, NJ
- 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
- 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
- PromiseOne Bank — DULUTH, GA
- Quaint Oak Bank — Southampton, PA
- Quontic Bank — New York, NY
- 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
- 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
- Tidal Loans — Houston, TX
- Triad Financial Services — Jacksonville, FL
- Truist Bank — Charlotte, NC
- Truliant FCU — Winston-Salem, NC
- Truss Financial Group
- United Community Bank — Greenville, SC
- United FCU — SAINT JOSEPH, MI
- US Bank — Minneapolis, MN
- UWM (United Wholesale Mortgage) — Pontiac, MI
- Vaster — Miami, FL
- Velocity Mortgage Capital — Westlake Village, CA
- VelocitySBA, LLC — Irving, TX
- Verus Mortgage Capital — Washington, DC
- Visio Lending — Austin, TX
- Walker & Dunlop — Bethesda, MD
- Wells Fargo — San Francisco, CA
- Wilmington Savings Fund Society FSB — WILMINGTON, DE
- Woori America Bank — New York, NY
- Zions Bank, A Division of — SALT LAKE CITY, UT
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).