Commercial Loans

Whether it’s for your own business or for real estate investment, Sun Community Federal Credit Union is your direct source for construction, and long-term permanent commercial real estate loans in the Imperial and Coachella Valley.


Sun Community provides financing for the purchase and refinance of multi-family, commercial/industrial, office buildings, mobile home parks, and single family investor loans – 2 to 30 homes.


Our financing features:

  • Loan amounts up to $5.4 million
  • Competitive fees and fixed interest rates
  • Fast turnaround by local decision makers with local loan servicing
  • No prepayment penalty
  • 30 year amortization on multifamily loans is available
  • Apartments up to 80% LTV
  • Fast, smooth closings
  • Cash out is available

Multi Family (5+ units) Loans

Whether you have one multifamily property or various single family residences, Sun Community is here to assist  you with your financing needs.

Product features include:

  • Maximum LTV of 80%
  • Maximum amortization of 30 years
  • No prepayment penalty
  • Single family residence pool loan with release prices

Commercial Real Estate Secured Loans

Sun Community Federal Credit Union delivers financing solutions when it comes to commercial real estate. With its expanded list of property types that can be considered, we are sure to meet your lending needs.

Property types:

  • Apartments
  • Industrial buildings
  • Retail buildings
  • Office buildings
  • Mini-storage facilities*
  • Mobile home parks*
  • Single Family Investor Loans (2 to 30 homes)

Product features include:

  • Maximum LTV of 80% on apartments, 75% on other property types excluding special purpose (*)
  • Maximum amortization of 25 years
  • No prepayment penalty

Equipment Loans

Having the right equipment can make your business more competitive through increased productivity and profits. Whether you are considering new or used equipment, Sun Community offers a solution for you.

We offer solutions for financing commercial vehicles, industrial equipment, machinery and heavy equipment.

Product features include:

  • Minimum loan amount $250,000
  • Multiple pieces of equipment can be considered under one loan
  • Maximum LTV of 75%
  • No prepayment penalty
  • Maximum term seven years

For additional information please contact: Rafael Bernal at 760-336-8663 or email