What is the difference between owner-occupied and investment real estate?

Owner-occupied means your business occupies at least 51% of the building's square footage. These properties qualify for favorable SBA financing. Investment properties are leased to third parties and require conventional or DSCR financing.

Debt Service Coverage Ratio (DSCR) loans are for investment properties. Lenders qualify the loan based on the property's rental income covering the mortgage payment, rather than relying heavily on your personal income.

Can I get a bridge loan to close quickly?

Yes. We offer short-term bridge financing that can close in as little as 2-3 weeks, allowing you to secure a property quickly while you arrange permanent, long-term financing.

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Acquisition & Refinance

Commercial Real Estate Financing Arizona

Secure competitive financing for owner-occupied and investment commercial real estate across Arizona. From office buildings to industrial warehouses.

Checking your readiness will not impact your credit score (Soft Pull).

Who This Is For

Business owners looking to stop leasing and buy their own building
Real estate investors acquiring multi-family, retail, or industrial properties
Developers seeking construction or bridge financing
Property owners looking to refinance for better rates or cash out

Common Uses

Purchasing owner-occupied commercial properties (SBA or Conventional)
Acquiring investment properties (DSCR loans)
Refinancing existing commercial mortgages
Cash-out refinancing for business expansion or improvements
Bridge loans for quick acquisitions or repositioning

Qualification & Documents

Key Qualification Factors:

Property must be located in the US (strong focus on AZ)
Acceptable Debt Service Coverage Ratio (DSCR typically 1.20x+)
Minimum down payment of 10% (SBA) to 25%+ (Conventional/Investment)
Strong personal guarantor credit (680+ preferred)
Experience in commercial real estate (for investment properties)

Documents Needed:

Personal and business tax returns (last 3 years)
Personal Financial Statement (PFS)
Property rent roll and historical operating statements
Purchase agreement (if acquiring)
Details of any planned renovations or improvements

Funding Timeline

Commercial real estate transactions require thorough due diligence. Expect 30-45 days for conventional loans, and 45-60 days for SBA loans, primarily driven by appraisal and environmental report timelines.

Frequently Asked Questions

Common questions about this financing option.

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Over 30 years of experience protecting Arizona business owners.