To continue enjoying all the features of Navy Federal Online, please use a compatible browser. You can confirm your browser capability here.

Loans to Help Your Small Business Grow

Looking for a commercial real estate or investment property 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

Real Estate Loans

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.

Highlights:

  • 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, 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 business 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.

Disclosures

1

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

2

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.

3

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