Commercial Real Estate Loans

Go national with customized lending for your commercial property project.
No limits within the U.S.—we lend nationwide
Choose to lock your competitive business loan rate
Borrowing limits up to $10 million for sophisticated deals
Terms of 3, 5, 7 and 10 years to fit your timeline

When it's time to close the deal, lock in our Commercial Real Estate Loan.

Whether you need a loan for an investment or owner-occupied property, work with experts at Stanford FCU who help clients close deals all over the country. You can lean on our experience and industry knowledge while knowing we're always available - because we're local. Tailor your commercial loan program to your needs no matter the type of property. There's no prepayment penalty on the loan and you can choose amortization periods up to 30 years.

Asset types

Multi-family residential
  • 1-4 residential units
  • 5+ multi-family units
  • 1.15-1.20x minimum debt coverage ratio
Retail
  • Single tenant
  • Multi-tenant anchored/non-anchored
  • Mixed use retail/residential
  • 1.25x minimum debt coverage ratio
Office
  • Single tenant
  • Multi-tenant
  • Medical tenant
  • 1.25x minimum debt coverage ratio
Industrial
  • Light industrial warehouse
  • Flex/R&D
  • 1.25x minimum debt coverage ratio
Special use property
  • Self-storage
  • Education/schools
  • Government building/ hospitals/assisted living
  • 1.25x minimum debt coverage ratio

Recent closings

Smithfield, NC

$1,900,000 loan amount
38% LTV
Multi-Tenant Retail

Huntsville, AL

$1,590,000 loan amount
58% LTV
QSR—Wendy's

North Charleston, SC

$1,182,000 loan amount
38% LTV
QSR—Dutch Bros

Jasper, AL

$1,000,000 loan amount
42% LTV
QSR—Arby's

South Euclid, OH

$984,750 loan amount
65% LTV
Retail—Advance Auto Parts

Chicago, IL

$975,000 loan amount
65% LTV
Retail—Dollar Tree

Eric Kim
Director of Business Development

Fast and responsive, delivering customized products with personalized service. That's what you can expect from Stanford FCU's business financing team. Get in touch with us using our preliminary review request form so we can discuss all your options.

Get started with our Preliminary Review Request

Fuel your growing business with accessible financing for your projects. Contact Stanford Federal Credit Union or visit a branch in Bay Area CA to get started.

Our members and their stories matter most.

Frequently asked questions

You can find more information and how to apply for a business loan, business credit card, Small Business Administration (SBA 504) loan, or commercial real estate loan by clicking here, or contact us at [email protected].

The Business Rewards credit card delivers a solid ROI on everyday purchases.