Whether you are looking to purchase a new space for your business, or need to refinance into a lower rate loan, SECU has the commercial real estate loan option to suit you and your business. Our in-market Business Relationship Officers and Maryland-based credit team will work with you to understand your specific needs.


  • Purchase or refinance commercial property
  • Competitive rates
  • Finance up to 80% of the property value (determined by real estate classification)
  • Wide variety of terms – Amortizations up to 25 years and maturities of up to 15 years
  • Secured with owner-occupied or non-owner occupied commercial real estate
  • Cash out options available

SECU Business Loan Requirements

  • Must meet all SECU membership requirements
  • Business must be under current ownership for at least 24 consecutive months
  • Key owners, any individual with at least 20% ownership in the business, need to provide personal guaranty
  • All appropriate business legal structure documents
  • Minimum of 2 years Business and Personal Federal Tax Returns (complete with all schedules and attachments)
  • Interim Income Statement and Balance Sheet if more than 90 days past Fiscal year End

Subject to credit approval. Program, rates, terms and conditions subject to change without notice.