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!
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
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.
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.
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%.
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.
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
Frequently Asked Questions
Can I get a commercial property loan in Phoenix with a low credit score?
Yes, you might get approved. Private lenders are more open to working with lower credit, but they protect themselves by charging more or lending less (or both).
Do lenders in Phoenix offer loans for investment properties?
Yes. If the building produces income then it qualifies for commercial financing. Lenders will underwrite it based on its cash flow and stability.
Will rental income from tenants help me qualify for a CRE loan?
Yes. Rental income feeds the property’s NOI and DSCR, which lenders use to judge repayment strength.
Do you provide commercial real estate loans in the nearby areas of Phoenix?
Yes. We are open to financing properties across the suburbs and growth corridors surrounding Phoenix. Tell us about your project.
Check Our CRE Loan Blogs
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How Private Credit Is Reshaping CRE Financing: What Borrowers Need to Know in 2026
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Loan Term vs. Amortization: How Each Impacts Your Commercial Real Estate Loan
New to CRE and interested in financing a property? It’s important to look at its two key features...
Want to learn more? Get in touch with us today.
Our experienced team is ready to assist with your financing needs.
Address:
2101 Cedar Springs Road Suite 1050 Dallas, TX 75201
Phone:
972-865-6206
Email:
info@privatecapitalinvestors.com