As the largest financial institution headquartered in the Hudson Valley, we are committed to providing you—and thousands of other local businesses—the financial tools necessary to purchase or refinance your commercial real estate. With some of the most competitive market rates we can help you increase equity by purchasing property or refinance a maturing loan, saving you thousands.
Commercial Mortgages
- Loans starting at $50,000
- No pre-payment/payoff penalties
- Up to 80% LTV for most commercial real estate
- Owner and Non-Owner occupied financing
- Conventional or SBA financing
- Fixed or variable rates
- Adjustable terms up to 15 years
- Up to 25 year amortization
Provides short and long-term working capital, to purchase equipment, and/or construction or renovation projects.
- Term loan amounts up to $5 million are available
- Up to 85% SBA guarantee
- Flexible loan terms with longer maturities and less money down
- Collaborative funding with HVCU
Designed to help growing businesses add fixed assets to their portfolio including land, buildings, or equipment.
- Up to 90% funding on project costs
- Longer loan amortizations and no balloon payments
- Save money with competitive fixed rates
- Collaborative funding with HVCU
We can help. Contact a Business Loan Officer today to get started.
| Competitive Rates & No Pre-Payment Penalties |
|
Rates as low as
2.99% APR1
For Loans Greater Than $1 Million
5-Year Fixed
|
Rates as low as
3.75% APR1
For Loans $1 Million or Less
10-Year Fixed |
Business Lending Made Easy
We now offer a convenient and simple way for you to apply online for a business loan – any time and from any device. Whether you are looking for a credit card, line of credit, equipment/vehicle loan, or commercial mortgage, you can get the process started by clicking the button below.
Must be eligible for membership if applying for funding through HVCU. Qualified business include those located in Albany, Columbia, Dutchess, Greene, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Ulster, or Westchester County.