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.

Are SBA loans hard to get?

They take more paperwork than a simple loan, but a well-prepared file moves faster. That is where a broker helps.

How much do I need to put down?

It varies by lender and deal, often less than conventional financing. Kelly will give you a realistic range for your situation.

Can I use an SBA loan to buy a business?

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.

How many units count as multifamily?

Generally five or more units is treated as commercial multifamily. Smaller properties may have other options.

Can I refinance to pull out equity?

Cash-out refinance is possible on many multifamily deals, depending on value and income.

Do you work with first-time investors?

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.

Can you finance an independent hotel?

Yes, both flagged and independent properties, depending on the deal.

What about renovation or PIP financing?

Kelly can arrange financing for property improvement in many cases.

Do you handle deals outside Phoenix?

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.

What does a commercial mortgage broker do?

A broker works on your behalf to find and arrange financing. Kelly reviews your deal, takes it to lenders who fund that type of property, and helps you compare offers.

What size loans does Kelly work with?

She focuses on commercial deals from about $1 million to $50 million.

How do I get started?

Call 480-363-1412 or request a financing call and Kelly will reach out to talk through your deal.

Retail Financing

Kelly arranges financing for retail centers and storefront property, including purchase and refinance, for deals from about $1 million to $50 million.

What does a commercial mortgage broker do?

A broker works on your behalf to find and arrange financing. Kelly reviews your deal, takes it to lenders who fund that type of property, and helps you compare offers.

What size loans does Kelly work with?

She focuses on commercial deals from about $1 million to $50 million.

How do I get started?

Call 480-363-1412 or request a financing call and Kelly will reach out to talk through your deal.

Industrial Financing

Kelly arranges financing for warehouses, flex space, and other industrial property, for deals from about $1 million to $50 million.

What does a commercial mortgage broker do?

A broker works on your behalf to find and arrange financing. Kelly reviews your deal, takes it to lenders who fund that type of property, and helps you compare offers.

What size loans does Kelly work with?

She focuses on commercial deals from about $1 million to $50 million.

How do I get started?

Call 480-363-1412 or request a financing call and Kelly will reach out to talk through your deal.

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.

What does a commercial mortgage broker do?

A broker works on your behalf to find and arrange financing. Kelly reviews your deal, takes it to lenders who fund that type of property, and helps you compare offers.

What size loans does Kelly work with?

She focuses on commercial deals from about $1 million to $50 million.

How do I get started?

Call 480-363-1412 or request a financing call and Kelly will reach out to talk through your deal.