SBA, Multifamily & Hospitality Financing
Commercial Loan Programs
Kelly Dutton arranges financing for a wide range of commercial property and business needs. Below are the programs she focuses on. Every deal is different, so the best next step is a quick conversation about your goal and your numbers.
SBA Loans
SBA loans are one of the most powerful tools for small and mid-size business owners. Because they are backed by the U.S. Small Business Administration, lenders can offer lower down payments and longer terms than many conventional loans. Kelly Dutton helps you find the right SBA lender and package your file so it moves smoothly.
They take more paperwork than a simple loan, but a well-prepared file moves faster. That is where a broker helps.
It varies by lender and deal, often less than conventional financing. Kelly will give you a realistic range for your situation.
Yes, business acquisition is a common SBA use.
Multifamily Loans
Apartment buildings and multi-unit property can be a strong path to building wealth, but the financing is its own world. Kelly Dutton helps investors arrange purchase and refinance loans for multifamily property across Phoenix and Maricopa County.
Generally five or more units is treated as commercial multifamily. Smaller properties may have other options.
Cash-out refinance is possible on many multifamily deals, depending on value and income.
Yes. Kelly will tell you up front what lenders will want to see.
Hospitality Loans
Hospitality financing is specialized, and not every lender understands it. Kelly Dutton works with lenders who do. She helps hotel and motel owners and investors arrange financing for purchase, refinance, and property improvement.
Yes, both flagged and independent properties, depending on the deal.
Kelly can arrange financing for property improvement in many cases.
Yes. Hospitality projects nationwide are welcome.
Office Financing
Kelly arranges financing for office property purchase, refinance, and owner-occupied space, with loan sizes generally from about $1 million to $50 million.
Yes. Owner-occupied office is a common deal, and it may open up SBA options alongside conventional financing.
Occupancy, lease terms, and tenant quality all matter. Kelly will tell you up front what your rent roll needs to show.
Yes. Purchase and refinance are both common, and terms depend on the property, its income, and the current market.
Retail Financing
Kelly arranges financing for retail centers and storefront property, including purchase and refinance, for deals from about $1 million to $50 million.
Strip centers, anchored and unanchored centers, single-tenant storefronts, and mixed retail. The right lender depends on the property type.
Not necessarily. Lease length and tenant credit usually matter more than the number of tenants.
Often yes, though vacancy affects terms. Kelly will give you a realistic read before you go to market.
Industrial Financing
Kelly arranges financing for warehouses, flex space, and other industrial property, for deals from about $1 million to $50 million.
Warehouses, distribution and flex space, light manufacturing, and in many cases self-storage.
Yes. Owner-occupied industrial is common, and it may qualify for SBA programs as well as conventional financing.
Financing is sometimes available, though fewer lenders participate. Kelly will tell you early whether a deal is realistic.
Mixed-Use & Bridge Financing
Kelly arranges financing for mixed-use property and short-term bridge loans, tailored to the deal, generally from about $1 million to $50 million.
It depends on the split between residential and commercial space. That mix determines which lenders will look at the deal.
When a deal needs to close quickly, or when a property needs to be stabilized before it can qualify for long-term financing.
They are short-term by design, often a matter of months up to a couple of years, depending on the lender and the plan to exit.