Commercial Real Estate Loans

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The go-to commercial mortgage for businesspeople

Sacramento Credit Union (SCU) supports your expansion projects, as well as your goals to save money by refinancing. Our interest rates are structured to deliver the most value for your money, whether you're purchasing or refinancing a commercial mortgage on any number of eligible properties.

Get the financing you need:

SCU's Commercial Real Estate Loans are suited for owner-occupied or investment properties, with an amortization up to 25 years. We work closely with California developers and business owners to help them secure the financing that's tailored to their unique projects.

  • Borrow up to $5 million
  • Use for apartment buildings (5+ units), office buildings, retail properties, hospitality properties, special purpose real estate, industrial properties, mixed-use projects or storage unit sites
  • Minimum down payment or equity of 25%
  • Minimum Debt Service Coverage Ratio (DSCR) - 1.25:1
  • Stabilized rents and supporting business cash flow required, along with satisfactory credit history