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Commercial Mortgage Loans

We offer financing on a variety of commercial, construction, and investment properties including multi-family, retail, office, mixed-use and industrial.


  • divetblk-No pre-payment
    No pre-payment or payoff penalties
  • divetblk-financing
    Owner and non-owner occupied financing
  • divetblk-Local decision making
    Local decision making

Get Started

Contact a Business Loan Officer to Apply

Business Loan Document Checklist

Important Info About Opening a Business Account for a Legal Entity


As the largest financial institution headquartered in the Hudson Valley, we are committed to providing local businesses with the financial tools they need to become more efficient and profitable. Our business lending experts work with thousands of Hudson Valley businesses.


  • No pre-payment/payoff penalties
  • Fixed terms up to 10 years/amortization up to 25 years
  • Non-owner occupied financing
  • Local decisioning
  • Ground up or expansion/renovation for construction loans
  • No commitment fees for non-profit organizations

Membership Eligibility

Businesses located in Dutchess, Orange, Ulster, or Putnam counties that have an HVFCU business account are eligible to apply for business loans. Eligible businesses include: Sole Proprietorship/DBA (Doing Business As), Corporation, Subchapter “S” Corporation, Limited Liability Company (LLC), Partnership, and Limited Liability Partnership (LLP). Businesses are also required to be in operation for more than two years.

Businesses that have been in operation for less than two years may qualify for a loan through the United States Small Business Administration (SBA). HVFCU is a certified lender for the SBA 7(a) Loan Guaranty Program and SBA Express Loans. Getting an SBA guarantee can make it easier for newer businesses to get funding.



Commercial Mortgage Deal