Commercial Real Estate Loan
We offer flexible Commercial Real Estate Loans with competitive financing!
- Los tipos de inmuebles subvencionables incluyen oficinas, comercios, viviendas multifamiliares, industria ligera y usos mixtos.
- Refinance or purchase commercial properties
- Hasta 75% LTV (relación préstamo-valor)
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 aporta más de 45 años de experiencia en banca comercial y préstamos a Unitus y es responsable de iniciar y desarrollar relaciones de préstamos comerciales. Cuando no está trabajando, Charlie disfruta pescando y apoyando a los equipos deportivos de sus nietos.
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David Roethe
David aporta a Unitus más de 32 años de experiencia en préstamos inmobiliarios comerciales, banca y gestión de patrimonios. Para relajarse, David disfruta de la recreación con sus cuatro hijos adultos, y pasar tiempo con su esposa y dos grandes daneses, Scout y Willow.
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Jonathan Weitz
Jon aporta más de 33 años de experiencia en préstamos comerciales a Unitus y es responsable de originar y ampliar los préstamos comerciales y las relaciones de depósito. Jon es un ávido amante de la naturaleza que disfruta de la pesca, el senderismo, el excursionismo, así como los viajes internacionales.
Commercial Lending FAQs
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Unitus generally offers Commercial Real Estate loans for the following real estate types:
- Multifamiliares
- Light Industrial/Warehouse
- Venta al por menor
- Oficina
- 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
NOTA: 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?
Visite nuestro Préstamos a pequeñas empresas page for additional loan options and learn how to get access to capital fast to meet your business needs!
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