Commercial Property & Real Estate Loans

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

SBA 7(a) Loan Program

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

SBA 504 Loan Program

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 Commercial 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 Greater Than $1 Million
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.

Apply now or resume an application

Buying and financing your commercial mortgage can be challenging…

…but it doesn’t have to be. Hudson Valley offers a wide array of lending options whether you are looking to mortgage or refinance your commercial or investment property. Our Business Loan Officers are local market experts, helping businesses to secure funding for multi-family, retail, office, mixed-use and industrial properties

Meet Our Business Experts

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¹ Effective 1/1/2022. Submit your complete loan application package by 3/31/2022. Loans must close by 6/30/2022. No exceptions will be made or considered. Participation loans and internal refinances are not eligible for this offer. Rates as low as stated. Your rate may vary from the stated rate. A 1% origination fee applies. This offer is not guaranteed if your account is not in good standing and if you do not meet our credit criteria. HVCU expressly reserves the right to terminate this promotion at its discretion at any time and without any further notice provided to you. Speak to a HVCU Commercial Loan Officer for more information.

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