Commercial Real Estate Loans

Finance office buildings, warehouses, and other commercial properties with a Commercial Real Estate Loans. Enjoy low rates and local decision-making to make your business dreams a reality.

Contact Us Call | 904.224.9084

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Why Community First for your Commercial Real Estate Loan

Flexible financing

We offer low-rate Commercial Real Estate Loans for owner-occupied and investment properties and new construction.

Generous loan-to-value (LTV) ratios

Eligible borrowers can finance up to 75% of investment properties, 80% of owner-occupied properties, and 90% of properties with SBA participation.

Fast decisions

No matter how you apply, our local decision-making means you get the answer you need, when you need it.

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Bottom-line benefits

Our Commercial Real Estate Loans have some of the best rates in Northeast Florida—and no intangible tax.

Meet our Commercial Lending Team

Our team of dedicated professionals has decades of experience helping local businesses throughout Northeast Florida succeed. Whether you need help moving into a larger space, upgrading your facilities, managing your cash flow, or switching to a better checking account, we’re here for you every step of the way.

Contact our team

George Danforth | Commercial Lending Vice President

George Danforth

Commercial Lending Vice President

John Keeley Commercial Lending Officer

John Keeley

Commercial Lending Officer

Allen Sage, Commercial Lending Officer

Allen Sage

Commercial Lending Officer

Larry Celzo, Commercial Lending Officer

Larry Celzo

Commercial Lending Officer

Jose Angulo, Commercial Lending Officer

Jose Angulo

Commercial Lending Officer

Jeff Cates | Commercial Lending Officer

Jeff Cates

Commercial Lending Officer

Testimonials

What our Business members say

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Looking for something different? Explore our other Business Banking solutions.

Business Lines of Credit

With a Community First Business Line of Credit, you can borrow cash, repay it, and borrow money again, without the hassle of applying for a new loan every time your business needs funds.

Apply now Learn more

Business Auto Loans

Keep your business heading in the right direction with an affordable business Auto Loans from Community First. We offer financing for commercial vehicles of all types, along with fast approvals, affordable rates, and flexible payment options so you get the vehicle you need when you need it.

Apply now Learn more

Equipment Loans

The right equipment can boost your business productivity and profitability. So can the right financing. At Community First, we offer low-cost loans for equipment of all types together with fast decision-making and a dedicated team focused on equipping your business for success.

Apply now Learn more

Business Special Purpose Savings Account

Whether you’re saving for new office space, equipment, or to build a cushion to hedge against seasonal shortfalls, this special-purpose account can help you get there faster.

Learn more

Resources

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Business Account opening requirements

Ready to get started? Take a look at our Business Account opening requirements so you can prepare your documents ahead of time.

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Blog | A guide to Commercial Real Estate Loans

In this guide, we take a closer look at commercial real estate loans and how they differ from home loans.

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FAQs

Is my business eligible for membership at Community First Credit Union?

The business headquarters, corporate office or any physical location must be located within our field of membership OR any Responsible Individual must live, work, or attend school in one of the following counties: Baker, Brevard, Broward, Clay, Duval, Flagler, Indian River, Lake, Martin, Nassau, Orange, Palm Beach, Putnam, Seminole, St. Johns, St. Lucie, or Volusia OR any Responsible Individual must be a relative of an existing or eligible Community First Credit Union of Florida member.

Want to know more? Take a look at our Business Account opening requirements or simply contact us.

Do you offer financing for the acquisition of healthcare practices?

We finance equipment for medical and dental practices but not their acquisition. Learn more about our Commercial Equipment Loan options.

Can my business prequalify for a Commercial Mortgage at Community First?

While we don’t prequalify businesses for Commercial Real Estate Loans, our fast, local decision-making can help you get the financing you need when you need it.

Do you offer Commercial Real Estate Loan financing for single-family investment properties?

No. We will finance multi-family residential properties with four or more units as well as commercial investment properties.

What do I need to apply for a Commercial Real Estate Loan at Community First?

Please call 904.224.9084 for specific documentation requirements.

The business headquarters, corporate office or any physical location must be located within our field of membership OR any Responsible Individual must live, work, or attend school in one of the following counties: Baker, Brevard, Broward, Clay, Duval, Flagler, Indian River, Lake, Martin, Nassau, Orange, Palm Beach, Putnam, Seminole, St. Johns, St. Lucie, or Volusia OR any Responsible Individual must be a relative of an existing or eligible Community First Credit Union of Florida member.