Commercial Real Estate Loans
Build Wealth Through Property Ownership
Secure your business future with real estate—competitive financing for owner-occupied and investment properties, SBA loan options, and down payments as low as 10% with local decision-making.
Commercial Financing
Tailored Solutions for Every Property Type
Commercial real estate isn't one-size-fits-all, and neither is our financing. Whether you're purchasing your first office space, expanding into a warehouse, or building your real estate portfolio, we structure each loan around your unique needs.
Our team specializes in financing owner-occupied properties, commercial investment properties, and multi-family housing such as apartments and rental complexes. You can choose between conventional or SBA loan programs, depending on what best suits your situation.
From construction and purchase to refinancing, we support your business through every stage of growth—with one-on-one guidance to ensure your financing structure aligns with your vision.
One-on-one guidance to find your perfect financing structure.
DFCU Advantages
Local Lenders Who Understand Your Market
Big banks treat commercial loans like numbers on a spreadsheet. We see the entrepreneur behind the application and the potential in your property. With over 30 years of combined commercial experience, our team provides the expertise of a large institution with the service of your neighborhood credit union.
Down payments from 10%
for owner-occupied buildings
20% down
for non-owner investment properties
Competitive rates and fees
No prepayment penalties
Online banking integration
Experienced guidance without the big-bank bureaucracy.
SBA Loans
Approved SBA Lender for Maximum Benefits
A Small Business Administration (SBA) from DFCU helps small businesses access opportunities that traditional financing might limit. SBA loans are designed to make ownership more attainable—with lower down payments, longer repayment terms, and both fixed and variable rate options to fit your budget.
Whether you're exploring the SBA 504 or 7(a) program, our commercial lending officers guide you through every step, simplifying what can otherwise be a complex process. Let us handle the details while you focus on running your business.
Investment Properties
Building Wealth Beyond Your Business
Smart entrepreneurs know that commercial real estate provides both operational stability and long-term wealth building. Our investment property loans help you acquire income-producing assets while maintaining the liquidity needed for business operations. Whether it's your first rental or your tenth, we structure financing that makes sense.
Competitive investor rates
that preserve positive cash flow.
Portfolio lending options
for multiple properties.
Expert market analysis
from seasoned professionals.
Flexible terms
matching your investment strategy.
Your tenants pay your mortgage while you build equity.
Loan Process
From Application to Keys in Your Hand
Getting a commercial loan doesn't have to be complicated. At DFCU, our process is designed to be fast, transparent, and convenient. We'll meet you where it's easiest—our office, your business, or the property itself.
From establishing your business membership and reviewing financials to conducting professional property evaluations, our local underwriting team ensures decisions are made quickly and with care.
Because when real estate moves fast, your lender should too.
Stop Renting—Start Owning Your Business Future
Whether you're tired of lease increases, ready to build wealth through investment properties, or expanding into new markets, DFCU commercial real estate loans provide the foundation. With competitive rates, flexible terms, and lenders who understand business, your property ownership goals are within reach.
Become a Member Today
Become a Member Today
LDS Members and others are welcome to join us as members.
Save More, Stress Less
Save More, Stress Less
Earn Top Rates with Our High-Yield Savings—No Fees, No Fuss.
Owner-occupied from 10% down, investment properties from 20% down. Conventional and SBA loans available. No prepayment penalties. Rates and terms based on creditworthiness and property type. Business membership and eligibility required. Business Services available weekdays 9am-5pm.