For application information or questions, contact (760) 336-8663 or email commerciallending@suncommunityfcu.org.

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Construction Commercial Real Estate

We offer flexible, comprehensive lending solutions for ground-up construction, tenant improvement, and land purchase and development. Our personalized financing solutions give you access to the funds and expertise you need to finance your next commercial project. 

• Flexible structures and disbursement schedules 
• Construction terms up to 24 months, depending on property type 
• Mini-permanent financing - Variable-rate or fixed-rate loan with maturities from 5 - 10 years with 15 - 30 years amortization 
• An experienced construction team to assist you through the process 
• Local decision-making expedites the loan process and funds disbursement

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Multi-Family (5+ Units)

Whether you have one multifamily property or various single-family residences, our multi-family loan is a perfect fit to grow your business.

• Maximum LTV of 80%
• Maximum amortization of 30 years
• No prepayment penalty
• Single family residence pool loan with release prices

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Commercial Real Estate Secured

We offer an expanded list of property types including apartments, industrial, retail, and office buildings, mini-storage facilities, mobile home parks, single-family investor loans (2+ homes), and more!

• Maximum LTV of 80% on apartments, 75% on other property types
• Maximum amortization of 25 or 30 years
• No prepayment penalty

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Equipment Loans

Whether you're in need of new or used equipment, or looking to upgrade or expand your current equipment, we have the resources and expertise to help you achieve your goals. We offer solutions for financing commercial vehicles, industrial equipment, machinery, and heavy equipment.

•  Minimum loan amount $250,000
•  Multiple pieces of equipment can be considered under one loan
•  Maximum LTV of 75%
•  No prepayment penalty
•  Maximum term seven years

We also offer SBA loans and USDA lines of credit.

Email our Commercial Lending Team for More Information

AGRICULTURAL LINES OF CREDIT

Keep your operation running smoothly with financing specifically crafted for agriculture. Whether you're planting, harvesting, or managing everyday expenses, we're here to help your business grow.

•  Seasonal flexibility and revolving line of credit
•  Competitive rates
•  Local expertise and decision-making
•  Terms: 12 - 24 months

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LIVESTOCK operating line of credit

Fuel your herd and fund your livestock operation. Our financing options help manage replacements, feed costs, veterinary care, and more.

•  Seasonal flexibility and revolving line of credit
•  Competitive rates tailored for livestock
•  Local expertise and quick decisions
•  Terms: 12 - 24 months

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AGRICULTURAL equipment loans

Power your agricultural operations with the right equipment, from tractors to seeders.

•  Flexible seasonal terms and competitive rates
•  Financing for new or used equipment
• Multi-equipment loans available
•  Local expertise and quick decisions
•  Terms: up to 7 years, no prepayment penalty

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AGRICULTURAL Real estate loans

Your land is your legacy, finance it right. Ideal for farmland purchases, acreage expansion or refinancing existing loans.

•  Long-term fixed or variable rates
•  Flexible payment options
• Advance up to 65% of land value
•  Local expertise and quick decisions
•  No prepayment penalty

For application information or questions, contact (760) 336-8653 or email aglending@suncommunityfcu.org.