Who provides CRE loans in Phoenix?

Loans can come from lenders like banks and private lenders. Sometimes, you may be able to acquire commercial real estate loans in Phoenix from insurance companies, the government, and pension funds.

What are the interest rates of hard money loans?

Lenders take varying levels of risk. The riskier a deal, the higher the interest rate. It’s best to compare lenders and rates to find the most favorable solution for your situation. If you need help, contact our commercial real estate loan consultants.

How do I qualify for a CRE loan?

Lenders typically consider the collateral, your credit score, history of bankruptcy, foreclosures, tax liens, income tax returns, and the age of your business. The actual requirements will depend on the type of CRE loan you’re trying to get.

What commercial properties can be financed by CRE lenders in Phoenix?

Commercial real estate loans can be used for a wide range of projects and properties. Below are some examples: 1. Multifamily/apartments 2. Construction 3. Industrial 4. Multi-tenant office complexes 5. Self-storage 6. Healthcare and senior facilities 7. Student housing 8. Hospitality properties (e.g., hotels) 9. Retail (e.g., shopping centers)

Commercial Hard Money Loan Lender in Phoenix

The CRE in Phoenix is known as one of the fastest-developing markets nationwide. If you’re thinking of buying a commercial property there, you’re in the right place!

Apply Now

940+

Loans

854+

Clients

$4.5B+

Funded Loans

Market Overview of Phoenix Commercial Real Estate

Industrial is still Phoenix’s strongest lending segment.

Even as the construction pipeline finally eases from its feverish stretch, the market has been absorbing large blocks of space at a pace that continues to outstrip expectations.

Lenders in multifamily now read the details more closely as new supply has, at times, outpaced the number of renters in certain pockets of the metro.

If you’re interested in taking out a commercial real estate loan in Phoenix to invest in this segment, be ready for lenders to price the loan based on any risk that the property may take longer to stabilize.

Established communities with steady collections typically clear underwriting more smoothly. Newly delivered projects that are still proving out their leases are harder to finance

Tight vacancy across well-located corridors and strong demand for service-oriented shops are both keeping retail in Phoenix healthier than national headlines suggest.

Lenders tend to respond well to neighborhood centers with durable foot traffic.

Periods of positive absorption and slower construction activity in the office segment are helping prevent further oversupply. Transaction activity seems to indicate that buyers are still willing to place bets on the right buildings.

Our Recent Closings

Christian College

San Diego | $13,000,000

Light Industrial Warehouse

Dallas TX | $7,500,000

Office/Industrial

Leander TX | $7,200,000

View All

About Direct Commercial Hard Money Lender in Phoenix

Commercial real estate loans in Phoenix make it easier for you to finance the acquisition, construction, and development of your CRE properties. They are offered to partnerships, REITs (real estate investment trusts), corporations, trusts and funds, and developers. These are loans secured by a lien on any income-generating property that is used for business purposes.

Are Micro Fulfillment Centers Future of Commercial Real Estate?

Commercial Real Estate Loan Programs We Offer in Phoenix

Commercial bridge loans work for Phoenix properties that aren’t ready for long-term financing yet. If you are buying an apartment building that isn’t fully leased or an office with empty floors you plan to fill, then in both cases, you will need short-term capital to stabilize the property before a bank would even consider giving you a permanent loan.

Commercial hard money loan in Phoenix is worth looking into if you’re buying something off-market or a property with problems that make it unsuitable for banks. Funds can be released in as few as a few days. With a hard money loan in Phoenix, you can close a deal before a traditional lender is even through its first round of questions.

Stated income/alternative doc might be the best choice if your paperwork doesn’t tell the full story of your cash flow, such as if your tax returns look thin because of write-offs or if you have inconsistent income. These commercial real estate loans in Phoenix are based on the revenue strength of the asset and your actual ability to pay rather than tax-return underwriting.

Commercial Real Estate Loan Programs in Phoenix

Unlike most older gateway markets, the Phoenix metro is growing in all directions, albeit unevenly. As long as you connect with the right direct lender like us, you could secure the best commercial real estate loans in Phoenix.

Hard Money Loans

We are an expert in hard money loans for commercial properties. We offer CRE funding up to $50 million. We have the best customer support to answer any questions you might have about the process.

Learn More

Bridge Loans

Private capital investors are here to help with your CRE investment fund requirements. Our team of experts provides you with commercial bridge loans at an interest rate as low as 5.99%.

Learn More

Stated Income Loans

Private Capital Investors is a trusted direct lender that has the expertise to help you with any CRE investment needs. Even with low documentation, we provide a stated income loan within 14 days.

Learn More

skyscrapers-from-low-angle-view_1359-1000

Why choose Private
Capital Investors?

We’re transparent in everything we do while making sure you are getting expert advice on commercial real estate loans in Phoenix.

We specialize particularly in helping our clients secure commercial hard money loans, apartment/multifamily loans, and bridge loans.

And if you need any help in finding that lender, our team here at Private Capital Investors will assess your requirements and situation, and then offer a custom CRE loan program that will help you achieve your goals.

Our CRE loan offers:



Rates as low as 5.99%



Nationwide Lending



24 – 48 Hours Approvals



Funding as little as 14 days



Stated Incomes, No Financials required



Excellent Customer Service



Common Sense Underwriting

Areas We Serve



















Frequently Asked Questions

Can I get approved for a hard money loan in Phoenix even with a low credit score?

Yes. You may still qualify for commercial real estate loans in Phoenix with a low credit score because private lenders like us focus more on your property’s value and investment potential instead of your creditworthiness.

Can I get a hard money loan in Phoenix for an investment property?

Yes. Hard money lenders in Phoenix, like Private Capital Investors, can finance income-producing investment properties. To determine if your property generates enough cash flow to support loan payments, we will review your net operating income (NOI) and debt service coverage ratio (DSCR).

Is my property eligible even if it's located in the suburbs of Phoenix?

Absolutely. At Private Capital Investors, we consider properties throughout Phoenix, including suburban communities and surrounding growth corridors. Your property’s location and value, as well as its investment potential, will help determine your eligibility.

Who will evaluate my property for a hard money loan in Phoenix?

Hard money lenders in Phoenix will arrange an appraisal and conduct underwriting after receiving your application. To determine an appropriate loan amount, we will assess your property’s current market value and, when applicable, its after-repair value (ARV).

How much will it cost to close a hard money loan?

Expect origination fees of approximately 2% to 4% of your loan amount for these commercial real estate loans in Phoenix, plus administrative charges and other closing expenses. So before you commit to a loan, ask for a complete cost breakdown.

How does the lender decide my financing terms for a hard money loan?

Hard money lenders in Phoenix primarily evaluate your property’s value and available equity. We don’t look too much at your personal income or W-2 records.

Most lenders offer around 50% to 70% of your property’s current value, sometimes reaching 75%. For renovation or redevelopment projects, your financing may cover 70% to 80% of the ARV, including acquisition and construction costs.

What do hard money lenders check when funding my property?

Lenders examine your property’s value and potential ARV, but they can also consider the neighborhood and market conditions, as well as the expected profitability. However, you should also have an investment plan and exit strategy — these things show your lender how you intend to repay your loan and can help strengthen your application.

Why are hard money loan rates high?

Because private lenders accept additional risk and provide faster, more flexible financing. With most private lenders, you can expect annual interest rates typically ranging from 8% to 15%. That said, our rates can go as low as 5.99% here at Private Capital Investors.

Where can I use hard money loans?

You can use commercial real estate loans in Phoenix for several investment purposes, including:

Fix-and-flip projects – Purchase distressed properties, then renovate it before reselling.
Short-term property acquisitions – Use the loan to secure a new investment while waiting to sell another property or arrange permanent financing.
New construction and development – Access funding for eligible construction projects without waiting through lengthy traditional bank approval processes.

How much hard money can I borrow?

Many private hard money lenders in Phoenix will finance up to approximately 65% of your property’s value. Your actual borrowing limit will depend on the property’s value and available equity. Tell us about your deal to find out.