Comprehensive Commercial Lending
Strategic foresight and competitive mortgage rates for investors, developers, and property owners. Buy or refinance commercial property through conventional or SBA financing.
Build Equity Through Commercial Property Investments
Loan programs from $20 million or more, for retail, office, multifamily, industrial, and mixed-use buildings.
No prepayment penalties on fixed or variable rate commercial loans.
Up to 80% LTV on most
commercial properties.
Adjustable terms up to 15 years with rates fixed for 5 or 10 years and amortization periods up to 25 years.
Why Finance with Hudson Valley Credit Union?
For almost 60 years, HVCU has helped over 300,000 individuals successfully navigate financial challenges in every stage of life and business. We’re dedicated to finding solutions that will help you make headway on your retail, office, multifamily, industrial, and mixed-use properties.
Community Focused, Solution Oriented
From origination to close, our lending officers work in tandem with commercial realtors and brokers to provide financial solutions that make sense. We understand the need for a stabilized, informative commercial loan process. Owners and investors have come to depend on our sincere approach and commitment to responsible development in the community.
Buy Property or Renegotiate the Terms of a Maturing Commercial Real Estate Loan
As the largest financial institution headquartered in the Hudson Valley, our Commercial Lending Officers are committed to providing you—and thousands of other local businesses—the financial tools necessary to purchase or refinance your commercial real estate.
Monofer Usman
Serving Northern Ulster County & the Albany Region
Phone: 845.463.3011, Ext 2262
Commercial Property Financing for Newly Established Businesses and Construction
SBA 7(a) Loan Program
Provides short and long-term working capital, to purchase equipment, and/or construction or renovation projects. Hudson Valley Credit Union works collaboratively with the U.S. Small Business Administration (SBA) to provide up to 90% financing on commercial loans for new and growing businesses.
- Term loan amounts up to $5 million are available
- Up to 85% SBA guarantee
- Flexible loan terms with longer maturities and less money down
- Refinance current business debt
SBA CDC/504 Loan Program
Designed to help growing businesses add fixed assets to their portfolio, including land, buildings, or equipment. Under this program, HVCU will finance 50% of the project cost, the SBA provides 35-40%, and the borrower is responsible for the remaining 10-15%.
- Up to 90% funding on project costs
- Longer loan amortizations and no balloon payments
- Save money with competitive fixed rates
- 10- and 20-year maturity terms
What Your Neighbors Are Saying
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Image of Smiling black womanHVCU Member2 YearsHave always had pleasant experiences with all our businesses and mortgage needs.
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Image of Male ProfessionalHVCU Member2 YearsGreat loan terms and easy to work with staff.
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Image of Smiling FemaleHVCU Member9 YearsKeep the good stuff you have: expert, stable + responsive staff in the branches and in commercial lending. Extended hours in the branches.
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Image of Male ProfessionalHVCU Member7 YearsGreat loan rates and customer service.