SRFFCU helps businesses and investors finance or refinance commercial properties with competitive rates, flexible structures, and personalized guidance. Commercial loans are available for properties in eastern Pennsylvania, New Jersey, Delaware, Maryland, New York, Connecticut, Washington, D.C., Virginia, and Florida.
Commercial Real Estate Financing Built Around Your Goals
Commercial lending can support property purchases, refinances, and cash-out transactions when you need a loan structure that fits your investment strategy. SRFFCU offers commercial real estate financing with practical terms and lending support that stays local from underwriting through servicing.
Property Types Considered
SRFFCU provides commercial lending for a range of property types:
- 1-to-4 Residential Units
- 5+ Unit Apartment Buildings
- Mixed-Use Properties
- Retail or Office Space
- Commercial Real Estate
Apartment buildings with up to 50 units, Office, and Retail buildings will be considered on a case-by-case basis.
Why Borrowers Choose SRFFCU for Commercial Loans
Self Reliance Financial Federal Credit Union’s commercial lending offers:
- Competitive interest rates
- Loan terms from 6 to 12 years
- Amortization periods up to 30 years
- No Points / No Origination Fees
- 60 Day Rate Lock
- Local underwriting and loan servicing
- No prepayment penalty for early payoffs
- Quick loan decisions
- 2nd lien position mortgages available (first mortgage must be with SRFFCU)
Commercial Loan Rates
SRFFCU offers credit union commercial loan rates for refinance, cash-out, and purchase transactions up to 75% loan-to-value.
All rates listed on this page are valid as of July 1, 2026 and are subject to change without notice.
| Max LTV | Fixed Term | Loan Rate | Max Amort. |
|---|---|---|---|
| 75% Refi., Cashout or Purch. | 5/5/10 Year Balloon | from 6.400% | 30 years |
| 75% Refi., Cashout or Purch. | 6 Year Balloon | from 6.400% | 30 years |
| 75% Refi., Cashout or Purch. | 12 Year Balloon | from 6.750% | 30 years |
| 75% Refi., Cashout or Purch. | 12 Year Fixed | from 6.000% | 12 years |
All rates, programs, conditions and services are subject to change without notice. Loans available from $100,000, and up to 75% Loan-to-Value (LTV). Rates are subject to change without notice. Commercial Loans are risk rated. The final interest rate on your loan will be based on your credit history, the loan to value, collateral and other risk components associated with the loan.
Loan Amounts and Timing
Commercial loans are available from $100,000, up to 75% loan-to-value. The typical timeline from application to closing is 45 to 60 days.
Talk Through Your Commercial Lending Options
Whether you’re purchasing, refinancing, or pulling cash out of a property, Self Reliance Financial Federal Credit Union can help you explore a commercial loan structure that fits your goals.
Talk Through Your Commercial Lending Options
Whether you’re purchasing, refinancing, or pulling cash out of a property, Self Reliance Financial Federal Credit Union can help you explore a commercial loan structure that fits your goals.
Frequently asked questions
What is the maximum loan amount I can take out?
SRFFCU is able to lend up to 75% loan to value of the property.
How long is the process from the date of application to closing?
45 to 60 days.
What is Debt Service Coverage Ratio (DSCR)?
DSCR is a calculation that helps us determine if a rental investment is generating enough income to make its loan payment obligations:
DSCR = Monthly Gross Income ÷ PITIA*
*PITIA: Principal, Interest, Taxes, Insurance, and Association Fees.
The minimum DSCR requirement is 1.20.
Is there a prepayment penalty?
No prepayment penalty for early payoffs.
How does a 2nd lien position mortgage work?
A 2nd lien position mortgage is a subordinate loan secured by a property that already has an existing primary mortgage. The first loan must be with SRFFCU.