Mailing Address:
222 Main St Suite 500,
Salt Lake City, UT 84101
Phone:
801-845-0092
Last Updated: February 6, 2026
Nelson Funding provides construction loans, bridge financing, and permanent financing for commercial real estate projects across Arizona. We work with developers, investors, and business owners in Phoenix, Tucson, Scottsdale, Mesa, Chandler, and throughout the state.
Securing financing for commercial real estate in Arizona often requires more than what traditional banks offer. Whether you’re developing multifamily housing in Gilbert, acquiring industrial space in the West Valley, or repositioning office buildings in downtown Phoenix, you need a lender who understands complex deals and can move quickly.
We finance projects where banks struggle: construction draws, value-add repositioning, tight closing timelines, and properties in secondary markets. Our loan programs work for experienced sponsors who need flexibility and speed.
Ground-up construction financing
Ground-up construction financing for new commercial developments across Arizona. We fund multifamily apartments, industrial warehouses, retail centers, office buildings, and mixed-use projects. Our construction loans include flexible draw schedules, interest-only payments during construction, and loan amounts from $2 million to over $100 million. Common projects include multifamily developments in high-growth areas like Queen Creek and Surprise, industrial facilities near logistics hubs, and commercial buildings in master-planned communities. We finance deals in Phoenix, Tucson, Flagstaff, and smaller markets where banks require local branch relationships.
Short-term financing
Short-term financing for acquisitions, stabilization, and value-add improvements. Bridge loans solve timing problems. Close an acquisition in three weeks. Fund property improvements while you stabilize occupancy. Fill the gap between construction completion and permanent financing eligibility. Terms range from 12 to 36 months with interest-only payments and flexible prepayment options. Common uses include lease-up financing, value-add renovations, tenant improvements, and fast-close acquisitions.
Long-term fixed-rate financing
Long-term fixed-rate financing for stabilized income-producing properties. Once your property is leased and operating, permanent financing locks in long-term debt at predictable rates. We arrange permanent loans for multifamily, office, retail, industrial, and mixed-use properties with proven cash flow. Terms range from 5 to 30 years with competitive fixed rates.
Flexible financing traditional banks can't provide
We work with experienced investors and developers throughout Arizona who need financing that traditional banks can't provide.
Initial loan feedback within 48 hours. Close transactions in 7 to 14 days when documentation is ready.
Loans from $1 million to $100M+ customized to your project timeline and cash flow requirements.
Multifamily, industrial, office, retail, hospitality, mixed-use, and specialty commercial properties.
We finance projects throughout Arizona including secondary markets like Prescott, Yuma, and Lake Havasu.
Traditional banks use committee approvals and conservative underwriting. We make decisions quickly and structure loans around project economics and sponsor experience.
| Feature | Nelson Funding | Arizona Banks |
|---|---|---|
| Approval Time | 7 to 14 days | 45 to 90 days |
| Loan Amounts | $1M to $100M+ | Limited by branch caps |
| Loan Terms | Customized to project | Standardized products |
| Property Types | All commercial asset classes | Basic commercial only |
| Markets Served | Statewide including rural areas | Require local presence |
Opportunities across multiple property sectors
Metro Phoenix ranks among the fastest-growing U.S. regions. Cities like Mesa, Chandler, Gilbert, Scottsdale, and Surprise continue adding residents and businesses. This growth drives demand for multifamily housing, retail services, office space, and industrial facilities.
Arizona's position as a distribution hub between California and Texas fuels warehouse and industrial development. The West Valley and areas near Phoenix-Mesa Gateway Airport see strong logistics activity driven by e-commerce and manufacturing.
Markets outside Phoenix and Tucson also attract investment. Flagstaff benefits from tourism and university-related activity. Prescott draws retirees and remote workers. Yuma's agriculture industry supports industrial growth. Lake Havasu and other Colorado River markets see hospitality and residential development.
See Our Recently Funded Commercial Loans
Nelson Funding recently closed a $28,818,000 construction loan revolver to fund a 65-home single-family subdivision in Galt, California. The facility...
View Deal: Nelson Funding Closes $28,818,000 Construction Revolver for 65-Home Subdivision in Galt, CA
Nelson Funding recently closed a $1,135,000 bridge loan secured by an office/retail asset, the Heber Sawmill project, in Heber, Utah. From approval t...
View Deal: Nelson Funding Closes $1,135,000 Office/Retail Bridge Loan in Just 5 Days in Heber, UT
Nelson Funding recently closed a $16,575,000 facility secured by a special-use commercial asset. At the borrower's request, the location and sponsor ...
View Deal: Nelson Funding Closes $16,575,000 Financing for a Special-Use Asset (Confidential Transaction)What’s Driving Real Estate Growth in Arizona
We finance multifamily apartments, office buildings, industrial warehouses, retail centers, hospitality properties, and mixed-use developments. Each project gets evaluated based on location, sponsor experience, and market fundamentals rather than rigid property type restrictions.
We provide initial feedback within 48 hours and issue loan commitments within 7 to 14 days. Actual closing depends on title work, appraisals, and legal documentation, but we prioritize speed when you need fast execution.
Yes. We finance projects throughout Arizona including Flagstaff, Prescott, Yuma, Lake Havasu City, Kingman, and smaller markets. We evaluate each project on its specific merits rather than only lending in Phoenix and Tucson.
Yes. Construction loans are central to what we do. Our construction program includes interest reserves, flexible draw schedules matching contractor payment applications, and the ability to finance complex projects with phased development timelines.
Banks require 45 to 90 days for approvals, offer standardized loan products, and limit lending based on branch authority. We make decisions in 7 to 14 days, customize terms to specific project needs, and finance deals that don't fit traditional underwriting guidelines.
Whether you're developing multifamily housing in Chandler, acquiring industrial property in the West Valley, or repositioning retail assets in Tucson, we can structure financing for your project.