Commercial Real Estate

Extensive market knowledge, tailored lending solutions, and a steadfast partnership beyond the closing table

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


Comprehensive financial solutions for retail, office, multi-family, industrial, and mixed-use buildings.

No Payoff PenaltiesNo prepayment penalties on fixed or variable rate commercial loans.

Commercial PropertyUp to 80% LTV on most 
commercial properties.

Adjustable Terms

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. 

Patrick Donovan

Patrick Donovan
Serving Orange County
Phone: 845.463.3011, Ext 2273

Meet Patrick

Jim Ciallela Headshot

Jim Ciallela
Serving Dutchess & Orange Counties
Phone: 845.463.3011, Ext: 2269

Meet Jim

blank headshot icon

Open Position
Serving Putnam & Westchester Counties
Phone: 845.463.3011, Ext: 

Alicia Punkosdy

Alicia Punkosdy
Serving Dutchess & Ulster Counties
Phone: 845.463.3011, Ext: 2279

Meet Alicia

Monofer Usman

Monofer Usman
Serving Northern Ulster County & the Albany Region
Phone: 845.463.3011, Ext 2262

Meet Monofer

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

Am I Eligible?

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

Am I Eligible?

What Your Neighbors Are Saying

  • Image of Smiling woman
    HVCU Member
    2 Years
    Have always had pleasant experiences with all our businesses and mortgage needs.

    Rating star-5 out of 5 stars.
  • Image of Male Professional
    HVCU Member
    2 Years
    Great loan terms and easy to work with staff.

    Rating star-5 out of 5 stars.
  • Image of Smiling Female
    HVCU Member
    9 Years
    Keep the good stuff you have: expert, stable + responsive staff in the branches and in commercial lending. Extended hours in the branches.

    Rating star-5 out of 5 stars.
  • Image of Male Professional
    HVCU Member
    7 Years
    Great loan rates and customer service.

    Rating star-5 out of 5 stars.

We Are Here To Help