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Make Room To Grow With a Sound SBA Loan

Business & Commercial

A confident business man laughing.
Our Business Loan Officers will work with you, one-on-one, to find the right financing for your business property.

Take advantage of fixed rates for up to 25 years on Commercial Real Estate SBA loans, for a limited time.

 »  25-year fixed rates
 »  Appraisal fees refunded, up to $3,500
 »  Fast approvals
 »  Lower down payments

Our Business Loan Officers will work with you, one-on-one, to find the right financing for your business property.

  • Flexible Financing
    We’ll help you find the financing option that works best for your property.
  • Multiple Property Options
    Purchase or refinance your office, retail building, warehouse/industrial facility, multi-family complex, or other property.
  • Competitive Rates and Terms
    We offer flexible terms and competitive rates on both owner and non-owner occupied properties.
  • SBA Loan Funding Available
    Qualifying businesses could benefit from longer terms, lower down payments, and more through the Small Business Administration (SBA) loan program.

Contact a Business Loan Officer for Commercial Real Estate ≥ $350,000

Commercial Real Estate $50,000 to $350,000


Commercial Real Estate ≤ $49,999




Insured by NCUA. Equal Housing Lender. Loan amounts up to $5,000,000. Loan term is 25-years and 25-year amortization. Rate can be fixed for up to 25 years. Pricing will be based on Prime Rate + 1.00% and includes an option for a one-time adjustment of the interest within the first 18 months of the loan. Other options include quarterly adjustable pricing based on Prime Rate + 0.25%, five-year adjustable pricing based on Prime Rate + 0.50%. Rate will be fixed based on approval with loan closing within 45 days. Minimum down payment of 15% plus all loan closing costs. Loan not to exceed the lesser of 85% of the final purchase price or 85% of the appraisal value. The minimum DSCR of 1.15 to 1.00 and global DSCR of 1.00 to 1.00. Cost of appraisal fee will be reimbursed up to $3,500 at closing. Must meet all SBA 7(a) requirements and is subject to final underwriting and approval from Sound and SBA. Promotion includes SBA Express and SBA 7(a) programs. Promotion ends 7/15/2023. Applications must be submitted into underwriting by 7/15/2023. Business must qualify for membership with the credit union.