PHOENIX LENDER SERVICES
Commercial Business Loans
When you’re ready to start, expand, or grow your business, Phoenix Lender Services offers a commercial loan program tailored to meet your needs.
Types of Commercial Business Loans
At PHX Finance, we provide businesses across America with the capital they need to operate effectively and reach their goals. Our Government Relationship Officers are here to guide you through your options, whether you’re seeking short-term or long-term financing solutions.
SBA Loans
Whether you’re starting, growing, expanding, or recovering, a low-interest SBA business loan from PHX Finance is tailored to meet the unique needs of your small business.
USDA Loans
USDA loans can support your business growth, from working capital and real estate to equipment and inventory.
Other Commercial Loans
Our commercial lending specialists are here to assist you with commercial real estate loans, business lines of credit offered under the SBA Express program, equipment financing, and much more.
Types of Commercial Business Loans
At PHX Finance, we provide businesses across America with the capital they need to operate effectively and reach their goals. Our Government Relationship Officers are here to guide you through your options, whether you’re seeking short-term or long-term financing solutions.
SBA Loans
Whether you’re starting, growing, expanding, or recovering, a low-interest SBA business loan from PHX Finance is tailored to meet the unique needs of your small business.
USDA Loans
USDA loans can support your business growth, from working capital and real estate to equipment and inventory.
Other Commercial Loans
Our commercial lending specialists are here to assist you with commercial real estate loans, business lines of credit offered under the SBA Express program, equipment financing, and much more.
Getting a Commercial Loan with PHX Finance
Getting a Commercial Loan with PHX Finance
At PHX Finance, business is more than just transactions—it’s about building lasting partnerships with entrepreneurs like you who are dedicated to helping their communities thrive. Our lending experts are here to guide you in selecting the commercial loans that best fit your needs at every stage of growth.
We’re with you every step of the way—through the loan application process and beyond. From assisting with your business plan and financial projections to ensuring all paperwork is in order, we provide ongoing support and expert guidance long after your loan is funded.
Commercial Loan Application Process
There are a variety of SBA, USDA, and other commercial loans designed to meet different business needs, each with unique terms and funding requirements tailored to your specific situation. Our loan experts help you maximize the benefits of each program, guiding you through every step. We take a thorough, meticulous approach to underwriting, ensuring that every loan we originate closes successfully for our customers.
Complete Financial Projections
Determine your short- and long-term business needs
Explore Different Loan Options
Explore the types of loans that address your business goals
Negotiate Terms of Agreement
Finalize your loan amount, interest rate and repayment terms
Submit Your Loan Application
Complete your inquiry with supporting documentation
Industries We Support
Our teams of Government Relationship Officers bring deep expertise in small business operations across the healthcare, energy, and manufacturing sectors. This specialized knowledge ensures that the business guidance and lending solutions we provide are tailored to the unique needs of your organization and industry as you navigate the commercial loan application process.
Healthcare
Support and expand your healthcare facility while delivering consistent, high-quality care with innovative lending solutions for clinics, hospitals, urgent care centers, and other healthcare facilities.
Manufacturing
From equipment financing and facility purchases to cash flow solutions, we provide manufacturers with access to capital at competitive loan rates, helping you operate and grow with confidence.”
Renewable Energy
Fund sustainable projects for agricultural producers and rural small businesses, including renewable energy systems and energy efficiency improvements, with specialized energy loans for businesses, utilities, and landowners.
Small Business
Whether you offer goods or services, there’s an SBA, USDA, or commercial small business loan—or a line of credit through the SBA Express program—that’s perfect for your needs at every stage of growth.
Industries We Support
Our teams of Government Relationship Officers bring deep expertise in small business operations across the healthcare, energy, and manufacturing sectors. This specialized knowledge ensures that the business guidance and lending solutions we provide are tailored to the unique needs of your organization and industry as you navigate the commercial loan application process.
Healthcare
Support and expand your healthcare facility while delivering consistent, high-quality care with innovative lending solutions for clinics, hospitals, urgent care centers, and other healthcare facilities.
Manufacturing
From equipment financing and facility purchases to cash flow solutions, we provide manufacturers with access to capital at competitive loan rates, helping you operate and grow with confidence.”
Renewable Energy
Fund sustainable projects for agricultural producers and rural small businesses, including renewable energy systems and energy efficiency improvements, with specialized energy loans for businesses, utilities, and landowners.
Small Business
Whether you offer goods or services, there’s an SBA, USDA, or commercial small business loan—or a line of credit through the SBA Express program—that’s perfect for your needs at every stage of growth.
Frequently Asked Questions
About commercial loans
What is a commercial loan?
A commercial loan is a business loan, not an individual one, and is primarily based on the financial health of the business, along with other factors. These loans serve a variety of purposes, such as purchasing commercial property, buying or developing land, upgrading equipment and technology, and much more.
How do I qualify for a commercial loan?
Qualifications for commercial loans vary depending on the type your business requires. Generally, applications will ask for personal, business, and relevant financial information. To learn more about how to qualify, view our comprehensive commercial loan application checklist.
How much can I borrow with a commercial loan?
With a wide range of commercial loan programs available, the amount your business can qualify for varies. A PHX Finance commercial loan expert is here to help you navigate these options and determine which program is best suited to your business needs.
Let’s Unlock New Opportunities and Embrace What’s Next.
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