Commercial Real Estate Loans

"I’m ready to build my business’s future. I want a partner who sees my vision."

Grow your business footprint with a loan from Clearview.

Your plans for your business matter, and we’re here to give you the financial foundation to help them grow. Whether you want to purchase new office space, expand your manufacturing facility, or invest in a multi-family property, Clearview is ready to support you every step of the way. We believe in your vision and work hard to make your borrowing experience smooth, supportive, and tailored to your needs.

What you can expect with commercial real estate loans

  • Use to purchase, improve, expand, or refinance commercial real estate
  • Financing available for one- to four-family investment properties, office buildings, manufacturing facilities, and retail buildings
  • Choose from fixed or variable interest rates
  • Loan terms up to 15 years with amortization periods as long as 20 years
  • Maximum loan-to-value (LTV) ratio of 80%, using your property as full or partial collateral

Consider this before you apply for a commercial real estate loan

  • How commercial real estate loans work

    A commercial real estate loan gives your business the capital to buy or upgrade income-producing property. Unlike residential loans, these loans are secured by a lien on the commercial property. At Clearview, we assess both the property’s value and your business’s financial health to create a partnership that supports your long-term stability.

    Talk to a commercial loan officer

  • Understanding loan-to-value (LTV)

    The loan-to-value ratio is key in commercial lending. It compares the loan amount to the appraised property value. With Clearview’s eighty percent maximum LTV, you’ll need at least a twenty percent down payment or equity. This structure can help keep your investment strong and sustainable.

    Learn more about business loans

  • Why choose a credit union for business lending

    When you choose Clearview, you’re joining a team invested in our community’s growth. As a member-owned, not-for-profit credit union, your success — not shareholder returns — is always our focus. That means you’ll experience personalized service, competitive rates, and lending built on trust. We want to help your business thrive, because when you succeed, we all do.

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Commercial real estate loans FAQs

  • We lend on a range of owner-occupied and investment properties, including one- to four-family investment properties, office buildings, manufacturing facilities, and retail buildings.

  • Yes. Our commercial real estate loans can cover purchases, improvements, and expansions. We want to help you create the best possible space for your business.

  • The loan term is how long your agreement is in effect — up to fifteen years with Clearview. Amortization is the schedule for calculating your monthly payments, which can be as long as twenty years. This often lowers the monthly payment amount, with a balloon payment due at the end of the term.

  • We encourage you to reach out to our Business Lending team. Stop by a local financial center or call us to talk about your goals and start your application.