Business Commercial Real Estate

Commercial Real Estate

Offering competitive rates and flexible terms on commercial loans for your real-estate needs

Contact Us to Apply

Rates are based on debt coverage, loan to value and term. Contact a Commercial Relationship Manager to apply.

Getting a Commercial Real Estate Loan with BECU means you'll benefit from competitive rates, fewer fees, and working directly with a dedicated Commercial Relationship Manager.

Commercial Lending Benefits & Features

  • Low origination fees and competitive rates
  • Loans available from $250,000 - $40 million
  • Flexible terms to meet your needs
  • No-prepayment penalty option on any commercial real estate loan

Additional BECU Benefits

  • Purchase properties for a variety of needs, including industrial/commercial, office, medical office, retail strip, retail anchor, multi-family and more
  • Work directly with a personal, experienced and local commercial relationship manager
  • Benefit from locally based underwriting

Commercial Real Estate Loan Types

Owner-occupied Loan

If you plan on occupying at least 51% of the building, an owner-occupied loan might be your best choice. Features include:

  • Up to 30-year amortization

  • Fixed- and adjustable-rates available at 3, 5, 7 and 10-year options

  • Flexible repayment terms

Investor Loan

Planning on renting at least 51% of the building? An investor loan is worth exploring. Features include:

  • Up to 30 year amortization for most property types (25 year for Special Purpose and Hospitality)

  • Fixed- and adjustable-rates available at 3, 5, 7 and 10-year options

  • Flexible repayment terms

Small Business Administration (SBA) Loan

Are you interested in government-guaranteed financing? Check out the options of an SBA loan. Features include:

  • Guarantees ranging from 75 to 85 percent, depending on loan amount

  • Guarantees may increase financing availability while lowering rates

  • Fixed-rate loans available: 3, 5, 7, 10 and 25-year options

  • Flexible repayment terms

Apply by connecting with a Commercial Relationship Manager. We'll contact you within two business days, or give us a call at 206-812-5140.

If you are not already a business member and are approved for a commercial loan, you will be required to establish a business membership. Click to learn more about BECU Business Membership.

Loans are subject to credit approval and other underwriting criteria and not everybody will qualify. Fees may apply. Certain restrictions, including geographic restrictions, apply. Business and Commercial Loan programs, terms and conditions subject to change without notice. BECU business membership required and not everybody will qualify.