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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

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 quick funding.  

We are a direct Commercial Real Estate portfolio lender and specialize in loans up to $4,000,000. From industrial and commercial warehouses to apartment complexes and office/retail spaces, we offer financing designed to meet the unique needs of the Inland Empire. 

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 the Inland Empire. 

  • Purchase or Refinance Loan Amounts up to $4 Million
  • Property Types
    • Industrial Warehouse
    • Commercial Warehouse
    • Apartment 5+ units
    • Multi-Family Property
    • Multi-Tenant Light Industrial
    • Office and Retail Spaces
  • ?No Application Fee
  • Cash-Out Refinancing Available
  • Choose From Terms of 3, 5, 7 or 10 Years
  • Locally Made Decisions with Quick Funding
  • 30 Year Amortization for Multi-Family Property Loans
  • 25 Year Amortization for Commercial Real Estate Loans
  • Contact us at (909) 379-6723 or


Arrowhead Commercial Loan Fundings


  Location Property Type Funded Amount

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Rancho Cucamonga

Retail/Office Property

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Office Property $2,200,000

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San Bernardino

Small Retail/Office Property $550,000

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Hotel Property $2,500,000

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36-Unit Apartment Property $2,000,000

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Small Retail Center $1,000,000

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Small Office Building $684,959

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Hotel Property $900,000

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San Bernardino

Small Retail Center Property $550,000


What are commercial loan property types?

Apartment 5-units +
Multi-family property (2 - 4 units)
Multi-tenant light industrial
Office and retail

What are the available commercial loan terms?

General loan terms are 3, 5, 7, or 10 years.
Fixed rate terms can be fixed up to 5 years, then adjustable 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 a 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?

Our special multi-family (2-4) units program offers financing as low as $300,000.

Commercial Real Estate financing is up to $4 million. 

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 loans could be amortized up to 30 years.

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

For commercial loans, maximum LTVs can be 75% on purchase transactions and 70% on refinance transactions.

For apartment properties, LTVs can be up to 80% on purchases and 75% on refinances.

What is the closing time for commercial loans?

Loans typically close in 45 days or less.



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

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