National Bank of Arizona

National Bank of Arizona is a division of Zions Bancorporation, N.A. Its Small Commercial Real Estate Program finances and refinances investor commercial real estate, and the program page states financing up to 3 million dollars.

Property types listed are retail space, office space, multi-family dwellings, apartment complexes, warehouses and industrial space, and the loan can be either a purchase or a refinance. The process described is three steps: submit the program form to be matched with a banker, gather the documents that banker lists, then apply, with the credit decision made locally.

Beyond that program the bank offers business term loans, lines of credit, owner-occupied commercial real estate financing, equipment financing, SBA loans and practice financing, plus treasury management, corporate trust and escrow services. It states that it is a designated Preferred SBA Lender. Specialty groups cover family businesses, attorneys and law firms, nonprofits, municipalities, agriculture and international banking.

Rates, fees and recourse terms are not published, and the site is inconsistent about the program's ceiling: the page description says investor space up to 2 million dollars while the page itself says up to 3 million. Confirm the current cap, the property types in scope and the pricing with a banker before you plan around it.