Commercial Real Estate Loans

Retail • Office • Light Industrial • Self Storage • Multifamily

Kinecta Federal Credit Union knows all about solid growth.

Kinecta Federal Credit Union knows all about solid growth. With a 75-year history in financial services, we have become one
of the nation’s leading credit unions. We offer common sense commercial real estate lending with a commitment to service.

  • No prepayment penalty provides flexible exit
  • Ability to tailor loan structure for unique deal points
  • Loan amounts from $1,000,000 to $5,000,000 
  • Lending in California


  • Loan Program

  • Our CRE Loan Program includes financing for Multifamily, Manufactured Housing Communities (MHC), office, retail, light industrial and self-storage.
  • Loan amounts: $1 million to $5 million
  • Loan term: Up to 15 years (3-year minimum)
  • Amortization: Up to 30 years
  • Interest Rate: Fixed Rates; 3, 5, and 7 year with reset available
  • DSCR: 1.15x (Multifamily); 1.20x (MHC); 1.25x (All others)
  • LTV: Up to 75%
  • Prepayment: No prepayment penalties
  • Recourse: Full
  • Security Interest: First Deed of Trust
  • Escrows & Reserves: Tax and insurance impounds and/or TI/LC may be required
  • Transaction Costs: Underwriting fee, third party reports and legal

Submit a Loan

To receive a letter of interest, please submit the following:

  • Photos of property (front, rear, sides, street views)
  • Current Rent Roll
  • Last 2 years and YTD Operating Statements
  • Schedule of Real Estate (if available)
  • Borrower Resume, Net Worth, Liquidity
  • Current Debt

Please remit to creloans@kinecta.org
or call (888) 371-7501.

Loan Forms:
Borrower: Commercial Real Estate Application