Professional Third-Party Account Management for Commercial Deals & Private Note Financing

Arizona Escrow & Financial provides dedicated account servicing for commercial financial arrangements, including commercial loan transactions. As a trusted third-party provider, we help manage payments, disbursements, and documentation over the life of an agreement.

Our team specializes in managing complex financial arrangements, including commercial loan accounts, construction draws, and multi-property portfolios. We ensure every payment is accurately tracked, processed, and clearly reported, giving both parties peace of mind and a consistent point of contact throughout the life of the agreement.

A Trusted Servicing Partner for Commercial Transactions

With nearly five decades of experience in business and commercial escrow, AEF delivers more than just payment processing. We provide structure, visibility, and responsive support at every step.

Handshake closing a commercial transaction

Specialized in Commercial Transactions
We understand the operational and financial complexities of commercial deals and service them accordingly.

Clock indicating we're right on time

Responsive, Dependable Service
Our experienced team is easy to reach and committed to delivering accurate, on-time servicing that keeps your transaction on track.

RENTV state of the market conference. Picture of Monica May-Dunn in a red suit with a pool in the background and details about the event.

Clear, Comprehensive Reporting
From payment histories and tax documents to year-end summaries, you’ll always have the data you need.

Flexible Servicing for a Wide Range of Agreements

AEF supports many types of financial arrangements beyond traditional loans. Our servicing expertise covers:

  • Promissory Notes (secured or unsecured)
  • Lease Agreements
  • Notes & Deeds of Trust
  • Mortgage Agreements for Sale
  • Seller Carryback Financing
  • Custom or Private Party Agreements

Our team ensures the terms are followed with precision: from payment collection to final disbursement.

Account servicing you can count on.

End-to-End Account Servicing for Commercial Transactions

Whether it’s a single agreement or an entire portfolio, AEF provides attentive, reliable account servicing tailored to each client’s needs.

Our commercial account services include:

  • Secure document custody and recordkeeping
  • Monthly payment collection and disbursement
  • Principal and interest calculations
  • Impound accounts for taxes, insurance, or other obligations
  • Customized reporting for portfolio clients
  • Payoff statements, year-end summaries, and mortgage verifications
  • 24/7 secure access to account information for both parties
  • Late notices and delinquency alerts (when requested by seller)

Why a Neutral Third Party Matters

When a lender and borrower handle servicing themselves, even small errors can erode trust. A missed payment notice, a miscalculated balance, or a misunderstanding over terms can turn a good relationship into a legal problem.

A dedicated servicing partner removes that friction. Lenders get reliable, on-time payments. Borrowers get transparent tracking and clear statements. Both sides stay protected for the full life of the agreement.

Expert Account Servicing You Can Count On

Signing a commercial agreement is just the beginning. It takes ongoing oversight, accuracy, and trust to manage the details. AEF’s experts make account servicing seamless, so you can focus on running your business, not tracking payments or handling paperwork.

Let’s connect and discuss how we can support your account servicing needs.

Schedule a consultation to learn how we can work together.

Name(Required)

Why Arizona Escrow?

Experience

Arizona’s largest independent escrow company since 1976

Specialization

Experts in Business & Commercial Real Estate transactions & Customizable Escrow Accounts

Communication

Our team prioritizes efficient and clear communication to ensure smooth closings.

Sarah Schorey headshot

Sarah Schorey

Account Servicing Manager

Dedicated to making every client’s experience smooth, clear, and worry-free, Sarah has over five years of hands-on escrow and loan servicing expertise.

Previously leading the Loan Servicing Department at Magnus Title Agency, she built a reputation for balancing accuracy with exceptional client care. At AEF, customers benefit from her ability to handle complex transactions quickly and professionally, while always making sure they feel informed and supported.

A native Arizonan with a background in both finance and hospitality, Sarah combines technical skill with a genuine commitment to service. For AEF customers, this means having a trusted partner who prioritizes their needs and makes every step of the process easier.

Account Servicing FAQs Answered by Sarah Schorey

They mean the same thing. Both refer to managing the payments due under an agreement between two or more parties. Whether you call it loan servicing or account servicing, the job is the same: tracking what’s owed, collecting it, and distributing it correctly.

A bank moves money. We manage the agreement. That means we track interest, late fees, principal, and the other terms of the note, not just the transfer of funds. We work with you to keep payments current and handled according to the loan schedule, which is something a bank account alone won’t do.

Because we work with both parties in an unbiased way and take on every tracking and servicing responsibility for the agreement. Neither the lender nor the borrower has to manage payments, calculate balances, or chase down paperwork. We handle it, and both sides can trust that it’s being done accurately.

We service Promissory Notes, Deeds of Trust, and Agreements for Sale. If you’re unsure whether your agreement qualifies, contact our office and we’ll review it.

Everyone involved in the transaction. Lenders get reliable, on-time payments and accurate records. Borrowers get clear tracking and transparent statements. Having a neutral party in the middle protects both sides for the life of the agreement.

It starts once the agreement and contact information are in place. This usually happens through escrow, though we can also take privately created deals. The documents are sent to our office, and we begin servicing.

From there, our work can include:

  • Collecting and distributing monthly payments
  • Impounding for property taxes or insurance
  • Tracking interest, principal, late fees, and default interest

We continue managing the account until it reaches its “all due and payable” date. At that point, we collect the final payment from the borrower, send it to the lender, and handle the release of any liens tied to the agreement. The result is a smooth, hands-off wrap-up for both parties.

Any deal is a good candidate, large or small. A few situations where servicing especially helps:

  • Payments spread out over months or years
  • Terms that involve interest, late fees, or impounds to track
  • Parties who want an accurate, documented record they can both rely on
  • A relationship worth protecting from disputes over payments or balances

We act as a neutral party and make sure every payment is tracked and documented based on the exact terms of the note or agreement.

Yes. We can typically handle terms that would be considered “creative.” I always recommend that the parties contact our office before closing so we can review the agreement and confirm we’re able to meet the needs of the file.

We focus on making things easy for clients. Not everyone is comfortable with technology, so I’m happy to send documents by mail or group tasks together to keep things simple.

Being responsive matters to me too. I answer questions quickly and stay hands-on throughout the life of an agreement. Building that personal connection really does make a difference.