Commercial Real Estate Loans in Tennessee

Last Updated: February 19, 2026

Nelson Funding provides construction loans, bridge financing, and permanent financing for commercial real estate projects across Tennessee. We work with developers, investors, and business owners in Nashville, Memphis, Knoxville, Chattanooga, and throughout the state.

Call Us Today 801-845-0092

Financing Options for Tennessee Commercial Projects

Financing commercial real estate in Tennessee requires understanding local market dynamics and having access to flexible capital. Whether you’re building in Nashville metro, acquiring property in Memphis, or repositioning assets in Franklin, you need a lender who can structure terms around your project timeline.

Financing Options for Tennessee Commercial Projects

Construction Loans

Ground-up construction financing

Ground-up construction financing for new commercial developments across Tennessee.

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 developments in Nashville and Knoxville, industrial facilities in Memphis metro, and commercial buildings in Murfreesboro. We finance deals throughout Tennessee including markets where banks require local branch relationships.

Construction Loans

Bridge Loans

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.

Bridge Loans

Permanent Loans

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.

Permanent Loans

$1B+

Loans Funded

24/7

Support

7-14

Days to Close

98%

Client Satisfaction

Nelson Funding vs. Traditional Banks

Traditional banks use committee approvals and conservative underwriting. We make decisions quickly and structure loans around project economics and sponsor experience.

Feature Nelson Funding Utah 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

Tennessee Commercial Real Estate Market

Nashville ranks among fastest-growing U.S. metros with strong multifamily development. Memphis serves as major logistics hub anchored by FedEx. Chattanooga and Knoxville benefit from manufacturing and tourism.

Primary Markets

Nashville and Memphis anchor Tennessee's commercial real estate activity with diverse property sectors and institutional investment.

Growth Sectors

Memphis logistics hub and Nashville distribution drive demand for industrial and logistics properties. Multifamily development remains active in Nashville metro.

Secondary Opportunities

Markets like Franklin, Murfreesboro, and Brentwood offer value-add opportunities and lower barriers to entry for experienced developers.


Recent Commercial Real Estate Loans Funded

See Our Recently Funded Commercial Loans

Nelson Funding Closes $28,818,000 Construction Revolver for 65-Home Subdivision in Galt, CA

Nelson Funding Closes $28,818,000 Construction Revolver for 65-Home Subdivision in Galt, CA

Last Updated: June 12, 2026

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 $1,135,000 Office/Retail Bridge Loan in Just 5 Days in Heber, UT

Nelson Funding Closes $1,135,000 Office/Retail Bridge Loan in Just 5 Days in Heber, UT

Last Updated: June 12, 2026

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 $16,575,000 Financing for a Special-Use Asset (Confidential Transaction)

Nelson Funding Closes $16,575,000 Financing for a Special-Use Asset (Confidential Transaction)

Last Updated: June 12, 2026

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

Common Questions About Commercial Loans in Tennessee

What property types do you finance?

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.

How fast can you close?

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.

Do you lend outside major cities?

Yes. We finance projects throughout Tennessee including Franklin, Murfreesboro, Brentwood, and other secondary markets. We evaluate each project on its specific merits rather than only lending in Nashville and Memphis.

Can you finance ground-up construction?

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 timelines.

What makes you different from banks?

Banks require 45 to 90 days for approvals, offer standardized products, and limit loan amounts. We make decisions in 7 to 14 days, customize terms to project needs, and finance deals that don't fit traditional underwriting boxes.

Get Pre-Qualified for a Commercial Loan in Tennessee

Whether you're developing multifamily in Nashville, acquiring industrial property in Memphis metro, or repositioning commercial assets in Knoxville, we can structure financing for your project.


Speak with a Loan Specialist
Featured Lenders
Trusted by top financial institutions
Industry Affiliations
Member of leading industry associations
$5+ Billion Funded
In Commercial Real Estate Loans
Nelson Funding provides business-purpose commercial real estate loans only. We do not offer personal, consumer, or payday loans.