Investment property financing built for Arkansas
Arkansas has quietly become one of the more compelling investment-property markets in the mid-South, pairing some of the most affordable entry pricing in the country with outsized growth in the northwest. The Bentonville–Rogers–Fayetteville–Springdale corridor of Northwest Arkansas is the powerhouse, while Little Rock and Fort Smith round out the state’s major markets. New City Financial helps investors fund deals here the way they actually operate — on the strength of the property, not a stack of personal paperwork — with business-purpose financing and a fast, predictable process from quote to close.
Because we underwrite the asset’s cash flow rather than your tax returns, our programs fit the realities of the Arkansas market: self-employed and small-business owners, LLC-titled property, and the wave of out-of-state investors drawn to Northwest Arkansas’s corporate-anchored growth. Whether you’re acquiring a rental in Fayetteville, refinancing an apartment building in Little Rock, or pulling cash out of a Rogers portfolio, you get one lender, one set of terms, and a straight answer quickly.
Loan programs for Arkansas investors
Every New City Financial program is available on qualifying Arkansas investment and commercial property. Not sure which fits your deal? Start the form and we’ll route you to the right one.
Cash-Out Refinance
Tap into your property's equity to access capital for your next investment or business opportunity.
Learn moreDSCR Refinance
Refinance your investment property based on cash flow rather than personal income.
Learn moreMulti-Family & Apartment Loans
Financing solutions for apartment complexes and multifamily residential properties of all sizes.
Learn moreDSCR Loans
Qualify on the property's rental cash flow, not your personal income — purchase investment property with no tax returns.
Learn moreFix and Flip Loans
Fast funding for fix-and-flip projects with competitive rates and flexible terms designed for investors.
Learn moreARV Loans
Loans based on the after-repair value of your property, not just the current value.
Learn moreForeign Investor Loans
Financing solutions for international investors looking to purchase commercial and investment properties.
Learn moreProperty types we finance in Arkansas
We lend on business-purpose investment and commercial real estate across Arkansas — from single-family rentals and small multifamily to larger apartment, retail, office, industrial, and mixed-use assets. Owner-occupied commercial space is eligible; primary residences are not.
Why Arkansas investors choose New City Financial
We finance the property, not your paperwork
Approval is based on the property’s rental income (its DSCR) — no personal tax returns, W-2s, or employment verification. Ideal for investors with strong properties but complex personal finances.
Considered from a 500 FICO
Where most lenders draw the line at a 620–680 score, a cash-flowing, business-purpose property can carry the loan. First-time and portfolio investors are both welcome.
Close in under 3 weeks
Investor-focused underwriting and minimal paperwork mean most files fund fast — the speed that wins competitive deals and lets you scale.
One lender, consistent terms
Up to 75% LTV, loans from $75K to $50MM, on a single set of terms across 40+ states — so you can grow a portfolio without switching lenders deal to deal.
Financing a property in Arkansas? Get your number in minutes.
Checking your rate is a soft inquiry — it won’t affect your credit score, and there’s no obligation.
Arkansas commercial loan FAQs
Does New City Financial lend on investment property in Arkansas?
Yes. We finance business-purpose investment and commercial real estate throughout Arkansas — from Little Rock and Fort Smith to the fast-growing Northwest Arkansas corridor of Bentonville, Rogers, Fayetteville, and Springdale. Loans run from $75K to $50MM at up to 75% LTV.
Can I get an Arkansas commercial loan without tax returns?
Yes. Our DSCR programs qualify the loan on the property’s rental cash flow rather than your personal income, so no tax returns, W-2s, or employment verification are required — a strong fit for Arkansas’s many self-employed and small-business investors.
What credit score do I need for a DSCR loan in Arkansas?
Credit is considered from a 500 FICO. Because approval leans on the property’s cash flow and a standard loan-to-value of up to 75%, a solid Little Rock or Northwest Arkansas asset can carry the loan even when personal credit is imperfect.
How fast can you close a commercial loan in Arkansas?
Most Arkansas files close in under three weeks. Investor-focused underwriting and minimal documentation keep the process fast, so you can move quickly in the competitive Northwest Arkansas market and across Central Arkansas.
Do you finance out-of-state investors buying into Northwest Arkansas?
Yes. The Bentonville–Rogers–Fayetteville–Springdale corridor draws investors from across the country, and because we underwrite the property rather than your location or W-2s, out-of-state and LLC-titled buyers can finance Arkansas investment property with the same terms.
What loan-to-value can I get on Arkansas investment property?
Up to 75% LTV. You’ll typically bring 25% or more as equity; stronger credit and property cash flow generally earn better pricing. Loans range from $75K to $50MM across all eligible property types.
Financing your Arkansas deal with New City Financial
New City Financial provides business-purpose financing on Arkansas investment and commercial property — multifamily, industrial, retail, mixed-use, office, and more. Qualify on the property’s cash flow (DSCR), not your personal tax returns, with up to 75% LTV, loans from $75K to $50MM, a 500 FICO minimum, and closings in under three weeks. Owner-occupied commercial space is eligible; primary residences are not. Get a no-obligation quote in minutes, or call (855) 848-2862 to talk it through with a specialist.