Phoenix Commercial Real Estate Financing

Phoenix has emerged as one of the most compelling commercial real estate markets in the United States. A combination of massive population growth, semiconductor manufacturing investment, relative affordability compared to California, and a business-friendly state government has made the Valley of the Sun a magnet for institutional and private capital alike.

Commercial Lending Solutions brings institutional-level financing to the Phoenix market through a network of over 1,000 capital sources. Whether you're acquiring a multifamily community in Chandler, building an industrial facility near TSMC's semiconductor campus, or financing a retail center in Gilbert, we create competition among lenders for your deal.

Phoenix Market Highlights

Semiconductor manufacturing boom: TSMC's $40B+ fab complex in North Phoenix, Intel's $20B expansion in Chandler, and a growing ecosystem of chip suppliers are transforming the Valley into a global semiconductor hub, driving industrial, office, and housing demand
Population growth leader: Maricopa County consistently ranks among the fastest-growing counties in the nation, adding 50,000-80,000 residents per year, fueling multifamily and retail demand
California migration: Phoenix is the #1 destination for California residents and businesses relocating for lower costs, no state income tax on many structures, and a more business-friendly environment
Industrial & logistics expansion: The West Valley (Goodyear, Buckeye, Surprise) is experiencing explosive industrial development along the I-10 and Loop 303 corridors
Affordable relative to coastal markets: Phoenix cap rates remain 50-100 bps higher than LA or San Francisco for comparable assets, offering investors stronger yield potential

Key Phoenix Submarkets We Finance

Downtown Phoenix, office, mixed-use, multifamily
Scottsdale, luxury hospitality, office, retail
Tempe / ASU Area, multifamily, student housing, mixed-use
Chandler / Gilbert, industrial, data centers, suburban office
North Phoenix / Deer Valley, semiconductor corridor, industrial
West Valley (Goodyear, Buckeye), industrial, logistics, master-planned
Mesa / East Valley, multifamily, retail, medical office
Camelback Corridor, Class A office, luxury retail

Loan Programs

Permanent Loans

5.50%, 7.50% | 5-30 yr terms

Long-term fixed and adjustable-rate financing for stabilized Phoenix properties. Agency, CMBS, bank, life company, and credit union execution.

Bridge Loans

8.00%, 11.00% | 12-36 months

Short-term financing for Phoenix acquisitions, value-add multifamily, and lease-up properties. Close in as little as 2-4 weeks.

Construction Loans

7.00%, 10.00% | 12-36 months

Ground-up construction for multifamily, industrial, and build-to-rent communities across the Valley.

SBA 504 / 7(a)

5.75%, 6.75% | 25 yr terms

Owner-occupied commercial properties in Phoenix. As little as 10% down with below-market fixed rates for qualifying businesses.

Mezzanine / Pref Equity

10%, 15% | Custom terms

Subordinate financing to reduce equity requirements on larger Phoenix transactions. Bridge the gap between senior debt and your equity.

CMBS Loans

5.75%, 7.25% | 5-10 yr terms

Non-recourse conduit financing for larger Phoenix commercial properties. Competitive fixed rates with higher leverage.

Property Types We Finance in Phoenix

Multifamily

Industrial

Retail

Office

Mixed-Use

Hospitality

Self-Storage

Build-to-Rent

Data Centers

Medical Office

How It Works

Tell Us About Your Phoenix Deal

Fill out the form or call us with your property details, loan amount, and timeline. We respond within 24 hours.

We Shop Your Deal

We present your deal to lenders active in the Phoenix market and collect competing term sheets. You review and select the best option.

We Close Your Loan

We manage the full process, underwriting, appraisal, legal, title, and coordinate everything through funding.

The Commercial Lending Solutions Advantage

Access to 1,000+ lenders, banks, credit unions, life companies, CMBS, debt funds, and private lenders
Active lender relationships across the Phoenix metro and Arizona
One application, multiple competing term sheets
No upfront fees, we only get paid when your loan closes
Institutional-level execution with personal, one-on-one service
Deep expertise in high-growth markets and emerging submarkets
Over $1 billion in commercial loans closed nationwide

Prefer to talk? Call the broker directly.

310.758.4042

Trevor Damyan · Mon-Fri 9am-5pm PT

Get Your Phoenix Commercial Loan Quote

Fill out the form below. We respond within 24 hours.

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Loan Amount

Property Type

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Deal Details

Or use our full application · Call 310.758.4042

FAQ

Phoenix Commercial Loan Questions

We finance all major commercial property types across the Phoenix metro: multifamily apartments, industrial warehouses and logistics facilities, retail centers, office buildings, mixed-use developments, hospitality properties, self-storage facilities, build-to-rent communities, data centers, and medical office. Our network of 1,000+ lenders includes many who are actively competing for Phoenix-area deals.

Yes. Phoenix is one of the top markets in the country for build-to-rent (BTR) development, and we work with construction lenders and permanent financing sources that understand this product type. BTR communities, single-family rental homes built as a purpose-designed rental community, have exploded in the Valley, particularly in the West Valley suburbs. We can arrange construction financing and permanent takeout for qualified BTR sponsors.

As of early 2026, commercial mortgage rates in Phoenix vary by loan type: permanent loans range from approximately 5.50% to 7.50%, bridge loans from 8% to 11%, SBA 504 loans from 5.75% to 6.75%, and construction loans from 7% to 10%. Phoenix's strong growth fundamentals and relatively higher cap rates compared to coastal markets often support favorable lender terms. Contact us for a rate quote specific to your deal.

Absolutely. The TSMC campus in North Phoenix and the broader semiconductor manufacturing corridor are driving significant demand for industrial, multifamily, and retail development. We work with lenders who understand the long-term economic impact of semiconductor manufacturing investment and are actively financing properties in these emerging corridors, including speculative industrial, workforce housing, and supporting retail.

No. There is no upfront cost for a consultation or loan quote. Our brokerage fee is earned at closing when your loan funds, meaning our interests are aligned with yours, we don't get paid unless you get financed.

Important Loan Disclosures

Representative Example: An $8,000,000 permanent commercial mortgage at a 6.75% fixed rate with a 10-year term and 30-year amortization would have an estimated monthly principal and interest payment of approximately $51,900. Total amount repayable over the 10-year term: approximately $6,228,000 (balloon balance due at maturity). This example is for illustrative purposes only; your actual rate, payment, and terms may differ.

Rate Range: Commercial mortgage rates currently range from approximately 5.85% to 7.50%, depending on loan type, property type, leverage, borrower qualifications, and market conditions at the time of funding.

Fees: Origination fees typically range from 0.5% to 2.0% of the loan amount. Additional costs may include appraisal ($3,000-$10,000), legal fees ($5,000-$15,000), title insurance, environmental reports, and third-party inspections. All fees will be disclosed in writing before loan commitment.

Loan Terms: Commercial mortgage terms range from 5 to 30 years with 25-30 year amortization schedules. Maximum loan-to-value (LTV) up to 75% for most programs. Loans may be recourse or non-recourse depending on the program and lender. Prepayment penalties may apply.

Risks: Commercial real estate loans carry inherent risks including but not limited to: property value decline, interest rate changes, inability to refinance at maturity, tenant vacancy, and potential loss of invested equity or the property itself. Borrowers should consult with qualified financial, legal, and tax advisors before committing to any loan.

Broker Disclosure: Commercial Lending Solutions (Commercial Lending Solutions) is a commercial mortgage brokerage, California DRE License #02244836. Commercial Lending Solutions does not make loans directly. All loans are originated and funded by third-party lenders. Commercial Lending Solutions receives compensation from the borrower, the lender, or both upon successful loan closing. Commercial Lending Solutions is not affiliated with or endorsed by any specific lender.

Commercial Mortgage Loans in Phoenix