Arizona Commercial Property Loans

Securing financing for commercial real estate investments requires a partner who understands the unique challenges and opportunities in the commercial market. The LM2 Investment Group in Scottsdale, Arizona, specializes in providing fast, flexible commercial property loans designed specifically for real estate investors and business owners across Maricopa County.

Your path to expanding your commercial real estate portfolio begins with access to quick, reliable funding. LM2 Investment Group delivers 24-hour loan approvals with competitive rates tailored to your commercial investment strategy.

Whether you’re acquiring office buildings, retail spaces, warehouses, or mixed-use properties, our specialized commercial lending solutions help you move quickly when prime opportunities arise. As an established hard money lender, LM2 Investment Group understands the unique needs of commercial property investors in the Phoenix metropolitan area.

Why Choose LM2 Investment Group for Commercial Loans

While other lenders are still scheduling their first meeting, we’re already cutting checks. That 24-hour approval isn’t just marketing talk – it’s how we work. When you find a great commercial deal, you shouldn’t have to worry about whether your lender can keep up. We’re upfront about our rates and what we need from you, no surprises or hidden gotchas.

Every commercial deal is different, and we get that. You may have found a perfect office building with solid tenants, or maybe there’s a retail center that needs some TLC to reach its full potential. Whatever your commercial investment looks like, we work with you to create loan terms that make sense for your situation.

We offer comprehensive financial lending solutions throughout Maricopa County, including Scottsdale, Phoenix, Chandler, Mesa, Gilbert, and Tempe. Our local market expertise enables us to make informed lending decisions based on real-time commercial property values and market trends.

We offer loan-to-value ratios up to 75% on most commercial properties, with funding available from $250,000 to $10 million.

Understanding Commercial Hard Money Loans

Think of commercial hard money loans as the fast track to commercial real estate financing. Instead of waiting months for a bank to review your entire financial history, we focus on what matters: the property itself and whether it generates a profit.

Here’s how it works: We look at your commercial property’s income potential, its location, and the current market value. Your credit score? Sure, we’ll glance at it, but it’s not the star of the show. Most of our commercial loans fall between 65% and 75% of the property’s value, with rates typically ranging from 11% to 15%. You’re looking at a timeframe of anywhere from six months to three years to finalize your deal.

Commercial vs. Traditional Bank Loans

While banks may still request your college transcripts (okay, not really, but you know what we mean), we can have you approved in 24 hours. Traditional commercial lenders typically require three years of tax returns, detailed business plans, and extensive paperwork to fill a filing cabinet. We keep it simple – show us the property, tell us about the tenants, and explain your game plan.

What kinds of commercial properties do we see most often?

• Office buildings (from small professional suites to multi-tenant complexes)
• Retail centers and shopping plazas
• Warehouses and industrial facilities
• Mixed-use properties (retail downstairs, offices upstairs)
• Medical buildings and professional centers
• Hotels and hospitality properties

How to Get Your Commercial Loan

Here’s the deal: we don’t make things more complicated than they need to be. Fast doesn’t mean sloppy – we don’t waste your time on stuff that doesn’t matter.

Whether you’re applying personally or through your LLC, we need the same basic information:

• The property’s financials and details
• Rent rolls (who’s paying what)
• Your purchase contract if you’re buying
• Recent bank statements
• Balance sheets, if you’re applying as a business
• Proof you’ve got some cash reserves

Here’s What We Care About:

• Is the property in decent shape and a good location?
• Are your tenants reliable and paying rent?
• Does the deal make sense financially?
• What is your plan to repay us?
• Have you done commercial deals before?
• Down payment amount (25-30% typical)

Most commercial loans are approved within 24 hours of receiving a completed application. The commercial closing process can be completed rapidly once property documentation and tenant information are verified.

Frequently Asked Questions

What documents are required for a commercial property loan? 

You’ll need commercial property financials, rent rolls, lease agreements, and basic borrower documentation. A current credit report and detailed investment strategy strengthen your application.

How do you determine the amount of a commercial loan? 

The loan amount depends on the property’s current market value, net operating income, and potential rental income. We evaluate debt service coverage ratios and cash flow projections to assess the financial viability of our investments.

What are typical interest rates for commercial loans? 

Commercial interest rates vary based on property type, loan term, and borrower qualifications. Each loan package is customized to match your specific investment scenario.

Do you offer refinancing for existing commercial loans?

 Yes, you can refinance existing commercial property loans to secure better terms or cash out equity. The refinancing process follows similar documentation requirements to those of new loans.