Business Real Estate Loan

Own instead of rent with a Business Real Estate Loan to buy, renovate, refinance, or invest in a commercial property.

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Two successful business partners working on plans for a new office thanks to the Civic Business Real Estate Loan.

Affordable

Your business funds, working harder

Speed up

Opt for early payoff with no penalties

Thrive

Position your business for growth

Build your future with a Business Real Estate Loan

It’s more than a building. It’s your future. The right commercial financing relationship can bring real solutions for your business. Our low business real estate loan rates may help you become a real estate owner instead of a renter.

You could take up to 30 years to pay off the loan (a period known as amortization), depending on the property type. And with sufficient equity, you may even be able to access affordable capital through a refinance or line of credit.

Interested in how to get a business real estate loan? The process is simple, with an online application and personal guidance. So, go ahead and buy, renovate, refinance, or invest in a commercial property. Build your future with a Civic Business Real Estate Loan.¹

New office space purchased with a Civic Business Real Estate Loan.

Terms

Must be an established business entity (at least 2 years)
Terms available up to 10 years
Amortization options up to 30 years for larger capital expenses
Business Real Estate Loans are subject to approval

Features

Up to 80% Loan-to-Value ratio (LTV) available for owner occupied property
Up to 70% LTV available for non-owner occupied
Leverage credit union membership for other helpful products
No pre-payment penalties, just applause

Ready to apply?

See why our members love these Business Real Estate Loan terms

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Life is digital

So are these everyday financial tools

Civic Credit Union app graphic that displays the budgeting tool available to you as a member.

See your Civic and non-Civic accounts in one place

Civic provides ATM access any where in the world.

Get cash from any ATM with reimbursed fees

Graphic of bills that shows how easy it is to use bill pay.

Pay bills from anywhere or schedule them in the app

Small craft beer brewer taking a delivery of inventory bought with a Civic Business Term Loan.

Business Term Loans

Small Business Term Loans can help you solve your short-and long-term business financing needs with no pre-payment penalties.

Secured business term loan has minimum loan amount of $10,000
Secured loan terms range from 1 year to 10 years
Unsecured business term loan has $1,000 loan amount minimum
Unsecured business term loan terms are up to 3 years

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Business Line of Credit

On-demand business funding

Low business line of credit rates
Revolving access starts at $1,000
Maximum of $30,000 (unsecured only)
Get consistent access to funding

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Apply for a Business Real Estate Loan to position for growth

It is more than a building. It is your future. This Business Real Estate Loan can unlock opportunities for growth and for you to serve more people. Be a property owner instead of a renter.

apply now

1 Subject to approval. Civic membership required. Credit, collateral, and underwriting standards apply. Businesses in operation for 2 years or longer are eligible to apply. Member pays document preparation fee. Contact the Civic Business Development Team for details.