PHOENIX LENDER SERVICES
Commercial Loans
From working capital and equipment financing to commercial real estate, Phoenix Lender Services is here to help you secure access to the right commercial business loan for your needs.
5 Different Types of Commercial Loans
Our teams of Loan Specialists bring deep expertise in small business operations across the commercial loan industry. This specialized knowledge ensures that the business guidance and lending solutions we provide are customized to meet the unique needs of your organization and industry as you apply for a commercial loan.
SBA Loans
Whether you’re starting, growing, expanding, or recovering, a low-interest SBA business loan is tailored to meet the unique needs of your small business.
USDA Business Loans
USDA loans can help you build your business, offering financing for working capital, real estate, equipment, inventory, and more.
Commercial Real Estate Loans
Purchase buildings, upgrade facilities, expand operations, or finance new land, construction, and materials for your business growth.
Business Lines of Credit
Seize opportunities and adapt to change with easy access to cash and flexible repayment terms.
Equipment Financing
Acquire the manufacturing equipment you need to expand your operations with financing at competitive rates.
How Can You Use an SBA Loan?
At PHX Finance, we empower small and medium-sized businesses across America with access to the capital needed to thrive and operate effectively. Our team of dedicated commercial lending experts specializes in SBA small business loans, guiding you through your options and providing the support necessary to navigate both short-term and long-term financing solutions.
Purchase or Construct a Building
Secure funding for land acquisition, construction, or commercial real estate to support your expansion or a brand-new build.
Purchase an Existing Business
Kick-start growth, expand your capabilities, or extend your reach into new markets by acquiring an established business.
Expand or Modernize Facilities
Expand your space, upgrade technology, or modernize existing facilities with an SBA loan.
Buy Machinery, Equipment, & Fixtures
Move forward with financing to acquire new assets, upgrade outdated ones, or replace those that are no longer functional.
Finance a Startup
Give your idea a strong foundation with a startup loan for real estate, equipment, working capital, and more.
Finance Leasehold Improvements
Renovate your leased facility to create the space and functionality needed for successful operations.
The Benefits of Securing Your SBA Loan Through PHX Finance
Our long-standing commitment to small businesses, combined with our strong relationship with the SBA, gives you a distinct advantage in securing the loans needed to start, expand, or grow your business.
Speed
We know that if you need a loan for your business, you often need it sooner rather than later. Instead of inquiring with an ordinary bank, who may take weeks or months to even approve you, we typically make loan approval decisions within 24 hours. Speed is our great disruptor in an industry not otherwise known for this.
Service
When you inquire with us, our Loan Specialists will walk you through the process, answer any questions, hold your hand (if need be), and continuously update you, leaving little room for worry or stress. We KNOW that applying to borrow money can be an anxiety-riddled process, and we do everything in our power to alleviate that for you.
Specialization
While banks or other lenders may have tens or hundreds of loan products, we only help you access a few commercial loan products. By working with these loan products again and again and again, we know how to make sure your business gets exactly what it needs. With over 400 years of collective experience in SBA lending, you’d be hard-pressed to find a better group of specialists in our industry.
Sincerity
We are very passionate about what we do. We take great pride in helping entrepreneurs build their businesses and take them to the next level… and many of our team members are fellow entrepreneurs as well. We KNOW that what a business owner – a job creator — does contributes to our society in so many ways, and we’re honored and humbled to play a part in that.
Soul
At Phoenix Finance, our people are the soul of our company. As a small business ourselves, we understand the courage and determination it takes to grow. That’s why you’ll always have dedicated team members to not only update you and move your loan along, but to combat any concerns, help to tell your business’s story, and to be a resource to you along your success journey. At the end of the day, people buy from people and this is why business is never just business, it’s always personal.
More Time to Repay
The SBA offers flexible repayment terms based on the loan type and what you’re financing:
Business acquisition, equipment
Up to 10 years
Working capital
Between 7-10 years
Real estate
Up to 25 years
Frequently Asked Questions
About types of commercial business loans
What are the most common commercial loans?
As a borrower, there are a variety of commercial business loans available to help you finance the purchase of commercial properties, acquire and develop land, upgrade equipment, modernize technologies, manage inventory needs, and more. While SBA 7(a) loans are a popular choice and could be a great fit for your business, it’s essential to consult with an expert to explore all the available options when applying for a commercial loan. Additionally, there are financing solutions designed to support cash flow management. Our team of commercial lending experts is here to help you understand your options and guide you through the process.
Which type of commercial loan is the best?
There’s no universal solution—what’s right for your business depends on your unique needs and future aspirations. The SBA and USDA provide a variety of lending solutions crafted to help business owners in rural communities thrive. We’ll walk you through the advantages and considerations of each commercial loan option, offering expert guidance throughout the application process.
How do I apply for a commercial loan?
Reach out to our team of Loan Specialists who understand your industry and business needs. We can help you navigate the various loan types, requirements, interest rates, terms, and pros and cons. We’ll be with you every step of the way, from initial research to final approval, ensuring a seamless and efficient experience.
Let’s Unlock New Opportunities and Embrace What’s Next.
Discover Your Opportunities with a PHX Finance Expert. Submit a Request, and We’ll Connect with You Soon.