Commercial Real Estate Loans in Arizona

Nelson Funding provides construction loans, bridge financing, and permanent financing for commercial real estate projects across Arizona. We work with developers, investors, and business owners in Phoenix, Tucson, Scottsdale, Mesa, Chandler, and throughout the state.

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Financing for Arizona Commercial Real Estate

Securing financing for commercial real estate in Arizona often requires more than what traditional banks offer. Whether you’re developing multifamily housing in Gilbert, acquiring industrial space in the West Valley, or repositioning office buildings in downtown Phoenix, you need a lender who understands complex deals and can move quickly.

We finance projects where banks struggle: construction draws, value-add repositioning, tight closing timelines, and properties in secondary markets. Our loan programs work for experienced sponsors who need flexibility and speed.

Financing Options for Arizona Commercial Projects

Construction Loans

Ground-up construction financing

Ground-up construction financing for new commercial developments across Arizona. We fund multifamily apartments, industrial warehouses, retail centers, office buildings, and mixed-use projects. Our construction loans include flexible draw schedules, interest-only payments during construction, and loan amounts from $2 million to over $100 million. Common projects include multifamily developments in high-growth areas like Queen Creek and Surprise, industrial facilities near logistics hubs, and commercial buildings in master-planned communities. We finance deals in Phoenix, Tucson, Flagstaff, and smaller markets where banks require local branch relationships.

Construction Loans

Bridge Loans

Short-term financing

Short-term financing for acquisitions, stabilization, and value-add improvements. Bridge loans solve timing problems. Close an acquisition in three weeks. Fund property improvements while you stabilize occupancy. Fill the gap between construction completion and permanent financing eligibility. Terms range from 12 to 36 months with interest-only payments and flexible prepayment options. Common uses include lease-up financing, value-add renovations, tenant improvements, and fast-close acquisitions.

Bridge Loans

Permanent Loans

Long-term fixed-rate financing

Long-term fixed-rate financing for stabilized income-producing properties. Once your property is leased and operating, permanent financing locks in long-term debt at predictable rates. We arrange permanent loans for multifamily, office, retail, industrial, and mixed-use properties with proven cash flow. Terms range from 5 to 30 years with competitive fixed rates.

Permanent Loans

$1B+

Loans Funded

24/7

Support

7-14

Days to Close

98%

Client Satisfaction

Nelson Funding vs. Traditional Banks

Traditional banks use committee approvals and conservative underwriting. We make decisions quickly and structure loans around project economics and sponsor experience.

Feature Nelson Funding Utah Banks
Approval Time 7 to 14 days 45 to 90 days
Loan Amounts $1M to $100M+ Limited by branch caps
Loan Terms Customized to project Standardized products
Property Types All commercial asset classes Basic commercial only
Markets Served Statewide including rural areas Require local presence

Arizona Commercial Real Estate Market

Opportunities across multiple property sectors

Phoenix Metro Expansion

Metro Phoenix ranks among the fastest-growing U.S. regions. Cities like Mesa, Chandler, Gilbert, Scottsdale, and Surprise continue adding residents and businesses. This growth drives demand for multifamily housing, retail services, office space, and industrial facilities.

Industrial and Logistics Demand

Arizona's position as a distribution hub between California and Texas fuels warehouse and industrial development. The West Valley and areas near Phoenix-Mesa Gateway Airport see strong logistics activity driven by e-commerce and manufacturing.

Secondary Market Activity

Markets outside Phoenix and Tucson also attract investment. Flagstaff benefits from tourism and university-related activity. Prescott draws retirees and remote workers. Yuma's agriculture industry supports industrial growth. Lake Havasu and other Colorado River markets see hospitality and residential development.


Recent Commercial Real Estate Loans Funded

See Our Recently Funded Commercial Loans

Nelson Funding Closes $10,000,000 Cash-Out Refinance on Retail Development in West Haven, Utah

Nelson Funding Closes $10,000,000 Cash-Out Refinance on Retail Development in West Haven, Utah

Type: Bridge
Last Updated: January 20, 2026

Nelson Funding is pleased to announce the successful closing of a $10,000,000 cash-out refinance secured by a partially completed retail development ...

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Nelson Funding Closes $11,100,000 Ultra-Luxury Spec Construction Loan in the Marcella Development of Deer Valley East

Nelson Funding Closes $11,100,000 Ultra-Luxury Spec Construction Loan in the Marcella Development of Deer Valley East

Type: Construction
Last Updated: January 20, 2026

Nelson Funding is proud to announce the closing of an $11,100,000 ultra-luxury spec construction loan within the highly anticipated Marcella Developm...

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Nelson Funding Closes $7,500,000 Mini-Perm Refinance in New Braunfels, Texas

Nelson Funding Closes $7,500,000 Mini-Perm Refinance in New Braunfels, Texas

Type: Permanent
Last Updated: January 20, 2026

Nelson Funding is pleased to announce the successful closing of a $7,500,000 commercial loan in New Braunfels, TX. The financing was used to refinanc...

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Commercial Loan Questions for Arizona Projects

What property types do you finance?

We finance multifamily apartments, office buildings, industrial warehouses, retail centers, hospitality properties, and mixed-use developments. Each project gets evaluated based on location, sponsor experience, and market fundamentals rather than rigid property type restrictions.

How fast can you close?

We provide initial feedback within 48 hours and issue loan commitments within 7 to 14 days. Actual closing depends on title work, appraisals, and legal documentation, but we prioritize speed when you need fast execution.

Do you lend outside major metro areas?

Yes. We finance projects throughout Arizona including Flagstaff, Prescott, Yuma, Lake Havasu City, Kingman, and smaller markets. We evaluate each project on its specific merits rather than only lending in Phoenix and Tucson.

Can you finance ground-up construction?

Yes. Construction loans are central to what we do. Our construction program includes interest reserves, flexible draw schedules matching contractor payment applications, and the ability to finance complex projects with phased development timelines.

What makes you different from banks?

Banks require 45 to 90 days for approvals, offer standardized loan products, and limit lending based on branch authority. We make decisions in 7 to 14 days, customize terms to specific project needs, and finance deals that don't fit traditional underwriting guidelines.

Get Pre-Qualified for a Commercial Loan in Arizona

Whether you're developing multifamily housing in Chandler, acquiring industrial property in the West Valley, or repositioning retail assets in Tucson, we can structure financing for your project.


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$5+ Billion Funded
In Commercial Real Estate Loans