Commercial Loans in Phoenix, AZ

Who This Is For

• Established Phoenix-based businesses seeking expansion capital
• Companies looking to acquire commercial real estate in Maricopa County
• Business owners needing to refinance existing high-interest corporate debt
• Enterprises requiring significant capital for strategic acquisitions

Common Uses

• Purchasing owner-occupied commercial real estate
• Expanding current facilities or opening new Phoenix locations
• Acquiring competitor businesses or complementary operations
• Large-scale equipment purchases or technological upgrades
• Refinancing existing commercial mortgages or business loans

Qualification & Documents

Key Qualification Factors:

• Minimum 2+ years in business
• Strong historical cash flow (DSCR > 1.25x)
• Minimum credit score of 680+
• Solid business plan and financial projections
• Valuable collateral (real estate or business assets)

Documents Needed:

• 3 years of business tax returns
• 3 years of personal tax returns for all 20%+ owners
• Year-to-date Profit & Loss and Balance Sheet
• Personal Financial Statement (PFS)
• Business debt schedule

Funding Timeline

Initial pre-qualification within 48-72 hours. Full underwriting and funding typically complete within 30 to 45 days, depending on appraisal and environmental requirements.

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