If you’re ready to stop paying rent on your business location or want to purchase a commercial building that will house your business, we offer a variety of loans for the purchase, refinance, and improvement of owner-occupied commercial property.

Where available, SBA 504 financing may help qualified small businesses acquire commercial real estate or major equipment through a structure that typically combines borrower equity, bank financing, and long-term funding from a Certified Development Company (CDC). Program availability, terms, and eligibility are subject to SBA and lender requirements.

Key Program Benefits

• Reduced down payment requirements with extended fixed-rate financing terms
• Specialized funding structure for fixed asset acquisition including commercial real estate, facilities, and major equipment purchases

Commercial real estate (CRE) is income-producing property used for business purposes, such as retail centers, office complexes, hotels, and apartments. Where available, Rivercrests may offer financing options for acquisition or development of such properties, subject to credit review, collateral, and eligibility. Terms vary by property type and applicant profile.

As a community-focused bank, we support commercial development throughout customers who open an online account through our portal. We provide commercial construction loans for projects such as retail centers, residential apartments, offices, industrial facilities, hotels, and mixed-use buildings. Our lenders review your financial profile, project scope, and collateral as part of the credit decision. Down payment, amortization, rate, and term options vary by property type and program.

Commercial bridge loans are a short-term commercial real estate financing option that can provide temporary financing to help sustain cash flow until you improve, refinance, lease up, sell, or complete the construction of a commercial property.