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Loans To Help Your Small Business Grow

Looking for an investment property or commercial real estate loan? We have you covered. If your business is ready to grow, our loans can help you take it to the next level.

  • Commercial Real Estate
  • Investment Properties
  • Renovations

Commercial Real Estate Loans

Choosing between different types of loans for your real estate investment can be tedious, but with Navy Federal, the commercial real estate loan options are broad. Whether you’re growing your operations through a new workspace or broadening your business portfolio with investment properties, our Business Real Estate loans can help you expand your footprint and add to your assets.


  • For purchases, refinancing or renovation
  • Fixed- and variable-rate options available
  • Standard 5-year term, 20-year amortization
  • No prepayment penalties
  • Fees apply1

Best For:

  • Commercial real estate (classified as either owner-occupied or investment property)2
  • Residential investment property3
  • Mixed-use property
  • Property renovation

What You'll Need to Apply:

  • Completed and signed business loan application
  • Business tax returns under existing ownership (most recent 3 years)
  • Business plan may be required
  • Personal tax returns for all owners/guarantors (most recent 3 years)
  • Personal Financial Statement for all owners/guarantorsPDF 
  • Debt Schedule 
  • Sales contract (Purchase)
  • Lease agreement(s) (Investment Property)
  • Rent Roll(s) (Investment Property)
  • Renovation estimates for materials and labor (Renovation)
  • Additional documentation may be required
  • Personal guarantee
  • Personal credit check

Ready to Apply?

To be eligible for Business Solutions offerings like commercial real estate loans, business owners must first be members of Navy Federal Credit Union.

Already a Navy Federal member, but not yet a business member?

Join Today to become a Navy Federal Business Solutions member.

Already a business member and ready to apply for a commercial real estate loan?

Call 1-877-418-1462, Mon.–Fri., 9 am to 5 pm ET, to request to be connected with a business lending representative to start the process.

Call Now




Fees may include: appraisal, environmental study, origination fee, document preparation, title, pest inspection, attorney fees, other applicable fees.


Commercial property loans require occupation of the financed property by the borrower for a business purpose. Investment property loans require third-party, as opposed to owner, occupation of the financed property. Loan to value: up to 80% for owner-occupied purchase or refinance; up to 75% for investment; up to 65% for renovation to the property.


Loan to value: up to 75% for purchase or refinance; up to 65% for renovation to the property. Preapprovals not available.