A Leader in Commercial Real Estate
Gain a competitive advantage from working with a specialized team that keeps you connected to innovative financial solutions, research, and market expertise — helping ensure you are prepared for challenges and ready to capitalize on opportunities throughout all real estate cycles.
Custom financing options for commercial real estate owners and investors.
- Nationwide Lender
- Multifamily, Industrial, Mixed Use, Retail, Office
- Investment / Owner Occupied
- Loan amounts greater than $2,000,000
- Purchase, Refinance or Renovations
- 10-Year Term, 30-Year Amortization
- Participation Loans
- No Prepayment Penalty
Bethpage Commercial Real Estate Lending Process
Get In Touch
Speak with one of our friendly Specialized Commercial Real Estate Agents to discuss the terms and agreements.
Sign Term Sheet Agreement
Agree on terms and conditions of your new loan. A Good Faith Deposit will be required, and the application process will begin.
Sign Commercial Loan Application
Complete and sign Bethpage loan application. Credit and background checks will be performed on all owners and guarantors.
Property Inspections
Inspections of physical property will be performed, such as: Appraisal, Environmental and Flood.
Underwriting
Provide Initial Loan Documents for our Commercial Real Estate Underwriting process. (See list below.)
Credit Approval Memo
Detail the conditions for closing. Once all conditions have been satisfied, the loan will be sent to Legal for closing.
Initial Loan Application Documents
A dedicated Bethpage Relationship Manager will work with you every step of the way to ensure that you are able to secure the loan that best fits your business needs.
Below are the documents you will need to gather for the application process:
- Completed and signed business loan application
- Business tax returns under existing ownership (most recent 3 years)
- Business plan may be required.
- Personal tax returns for all owners/guarantors (most recent 3 years)
- Personal Financial Statement for all owners/guarantors
- Debt Schedule
- Sales contract (Purchase)
- Lease agreement(s)
- Rent Roll(s)
- Additional documentation may be required.
- Personal guarantee
- Personal credit check
- Deal specific requirements (Signed Term Sheet required)
Contact us
For new loan applications, rate and product info, general loan inquiries, or loan processing updates, please fill out the form below.
Servicing Request
For requesting payoffs and/or assignments, updating insurance, loan payment details, tax forms, or escrow analysis, please email:
commercialloanservicing@bethpagefcu.com
Portfolio Manager
We maintain a dedicated team responsible for overseeing our Commercial Real Estate (CRE) portfolio. If you wish to contact a team member, please email:
commercialportfolio@bethpagefcu.com
Additional Business Banking
We offer several other products for all of your business needs.
For collateral auto lending, unsecured loan lending, savings/CD secured lending, credit cards, or unsecured lines of credit, please contact the Business Team.
Rates, terms, and conditions are subject to change without notice. All offers of credit are subject to credit approval requirements and applicants may be offered credit at higher rates and other terms. Loan-to-Value (LTV) and Combined LTV (CLTV) restrictions apply. Hazard insurance is required on all loans secured by real property (flood insurance may also be required where applicable.) To obtain a loan, membership at Bethpage is required, which is subject to approval and requires opening a business operating account. All guarantors must be US citizens or permanent resident aliens.