Commercial Real Estate Loan
We offer flexible Commercial Real Estate Loans with competitive financing!
- Eligible property types include office, retail, multi-family, light industrial, and mixed-use
- Refinance or purchase commercial properties
- Up to 75% LTV (loan-to-value ratio)
Unitus is here to help with your Commercial Lending needs!
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Knowledgeable Staff
We focus on building strong relationships; our experienced lending team leverages their long tenure in the industry to provide your business with the support it needs to grow.
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Tailored Lending Solutions
Meeting the needs of your business requires innovative thinking. Unitus provides customized financing solutions designed to align with your business goals.
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Decisions Made Locally
As an integral part of the local communities we serve, Unitus offers local lending decisions to provide quick response times and personalized attention to meet your business needs.
Commercial Line of Credit
Lines of credit are a flexible financial tool that provides businesses with a pre-determined credit limit to cover short-term expenses and provide working capital to support business operations. It offers flexibility in managing cash flow and expenses and is typically secured by the business’ assets.
- Competitive interest rates and low fees
- No prepayment penalty
- Manage short-term cash flow needs by using our revolving line to borrow and repay as needed
Meet Our Commercial Loan Experts
Let’s start a conversation! Our team of experts are committed to the success of your business and are here to provide the advice and support you need.
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Charlie Hopkins
Charlie brings over 45 years of commercial banking and lending experience to Unitus and is responsible for initiating and developing commercial loan relationships. When he’s not working, Charlie enjoys fishing and supporting his grand children’s sports teams.
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David Roethe
David brings over 32 years of experience in commercial real estate lending, banking, and wealth management to Unitus. To relax, David enjoys recreating with his four adult children, and spending time with his wife and two Great Danes, Scout and Willow.
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Jonathan Weitz
Jon brings over 33 years of commercial lending experience to Unitus and is responsible for originating and expanding commercial loan and deposit relationships. Jon is an avid outdoorsman enjoying fishing, hiking, backpacking as well as international travel.
Commercial Lending FAQs
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Unitus generally offers Commercial Real Estate loans for the following real estate types:
- Multi-Family
- Light Industrial/Warehouse
- Retail
- Office
- Self-Storage (temperature controlled only)
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Maximum loan to value’s (LTV) up to 75%. Each loans LTV is determined based on a review of the specific deal criteria including the property, borrowers, and guarantors.
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All applications will require the following financial documents to be provided for each entity associated with the commercial real estate loan request:
Business Documents
- 3-years of Business Tax Returns
- Year to Date Property and/or Business P&L
- Schedule of Business Debt
Personal Documents
- 3-years Personal Tax Returns
- Current Personal Financial Statement (PFS) for each owner
- Schedule of Real Estate Owned for each owner
NOTE: Additional documents pertaining to your application may be requested, including for the subject property during underwriting.
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From the time of application and receipt of all financial documentation, a decision is usually made within 5-15 business days. Unitus can typically close a commercial real estate loan within 60-75 days from receipt of a full application and financial package.
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At this time, Unitus does not offer Business construction or land/property development loans.
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The loan term for commercial properties is typically five, seven or 10 years. The amortization period is usually 20 or 25 years. With 30-year amortizations being considered on some well positioned multi-family properties.
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We can finance deals anywhere from $500,000 to $5 million and possibly more. If your project falls outside of this range, contact one of our Commercial Loan Officers to discuss options.
Looking for additional Business Loan Options?
Visit our Small Business Lending page for additional loan options and learn how to get access to capital fast to meet your business needs!
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