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Business Loans

Your business is our business.

We offer easy options to finance your commercial real estate needs.


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Business Loans
Business Loans
Real Estate
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Real Estate

Arrowhead Credit Union has been providing financial services to San Bernardino and Riverside Counties since 1949. We offer affordable loan options with locally made decisions and tailored financing.

We are a direct Commercial Real Estate portfolio lender and specialize in loans up to $5,000,000. From industrial and commercial warehouses to apartment complexes and office/retail spaces, we offer financing designed to meet the unique needs of Southern California.

Contact us at (909) 379-6607 or for financing options.


Loan Programs Available*

Arrowhead Credit Union provides financing for the purchase or refinance of Multi-Family and Commercial Real Estate properties in Southern California.

  • Purchase or Refinance Loan Amounts up to $5 Million
  • Property Types
    • Multi-Family Property
    • Industrial Warehouse
    • Commercial Warehouse
    • Apartment 5+ units
    • Single or Multi-Tenant Industrial
    • Office and Retail Spaces
  • No Application Fee
  • Locally Made Decisions with Tailored Financing
  • Cash-Out Refinancing Available
  • Choose From Terms of 3, 5, 7 or 10 Years
  • 30 Year Amortization for Multi-Family Property Loans
  • 25 Year Amortization for Commercial Real Estate Loans
  • Contact us at (909) 379-6607 or

Get Started

As a member, you get access to a dedicated commercial real estate loan advisor to assist with your financing opportunities. Request an appointment and an advisor will contact you within 48 hours.



What are commercial loan property types?

Apartment 5+ units
Single or multi-tenant industrial
Office and retail

What are the available commercial loan terms?

General loan terms are 3, 5, 7, or 10 years (amortized over 25 or 30 years depending on the loan type).
Fixed rate terms can be fixed up to 5 years, then adjustable or fixed for the remaining term.

Does Arrowhead work with brokers?

Yes, we encourage relationships with all brokers.

How does the application process work?

Our lending team will walk you through the entire process. We'll need basic information such as loan purpose, property type, location and occupancy. 

How much is the application fee?

Arrowhead does not charge an application fee.

Can I lock in my rate?

Yes, ask us how to lock in your rate for 60 days.

What are the interest rates for commercial loans?

Rates may change daily. Contact us for a customized quote based on your financing needs.

Are both fixed rate and adjustable rate terms available?

Yes, Arrowhead offers both fixed and adjustable rate terms.

What are the minimum and maximum loan amounts?

We offer financing as low as $300,000 and as high as $5 million depending on property type.

What type of pre-payment terms does Arrowhead offer?

Each loan has a standard pre-payment structure and we review every situation individually.

What is the loan amortization period?

Commercial loans are generally amortized over 25 years.

Apartment and Multi-Family loans could be amortized up to 30 years.

What are the Loan-To-Value (LTV) guidelines by property type?

LTV can range from 60% to 80% depending on property type.


What is the closing time for commercial loans?

Loans typically close in 60 days or less.



*Programs (including but not limited to fees, rates, and features) are subject to change without notice.

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