Commercial real estate financing
AVANA CUSO helps connect qualified borrowers and brokers with commercial real estate loan options offered through participating credit unions and lenders. Share your project details to explore fit
Relationship-focused commercial lending
Through our credit union partners, we support commercial borrowers seeking thoughtful, relationship-driven financing solutions.
Our coordinated approach ensures:
- Clear communication
- Streamlined documentation
- Professional underwriting
- Consistent servicing
Borrowers benefit from credit union values combined with commercial lending expertise.
Loan programs we support
Conventional term loans
Financing structures commonly used for stabilized CRE (terms vary by property, borrower profile, and lender approval).
View product sheet
SBA 504 loans
SBA 504 is designed for eligible owner-occupied real estate and certain long-term business expansion needs, subject to SBA rules and lender requirements.
View product sheet
Rates and terms
Loan sizes
From $1MM to $18MM, covering a full range of commercial programs
Flexible terms
Choose from mid-term (up to 10 years) or long-term (up to 25 years) options
High leverage
Finance up to 75% LTV or 90% total for qualifying SBA 504 structures
Market-Indexed pricing
Tied to CMT benchmarks with program-specific spreads
Uses of proceeds
Financing available for acquisitions, refinancing (including cash-out) or property improvements
Real estate asset types
Franchised hotels
Franchised restaurants
Industrial
Manufacturing facilities
Medical offices
Mixed-use
Multifamily
Retail
Self-storage
Warehouse
Required documents
For an initial review, we typically start with a few core items. We will request additional documents during underwriting and closing.
- Borrower / entity basics: last year tax return or financial statement; trailing 12-month P&L + balance sheet
- Deal overview + ownership: executive summary/offering memo; organizational chart; debt schedule; rent roll (if applicable)
- Guarantor info (as applicable): personal financial statement + real estate schedule; personal tax returns; resume/bio
Collateral often includes a first-lien mortgage, with possible UCC filings, rent assignment, and escrows (subject to underwriting).
To see the complete qualification checklist and required documents visit AVANA Capital website
Application to funding process
Submit application
Complete our online application form with basic information. Our team will review within 24 hours
Review
We’ll evaluate your documents and request any additional materials needed.
Approval & Terms
Once approved, we’ll present loan terms and structure a customized financing solution
Closing & funding
Final documentation and closing procedures. Funds are typically disbursed within days of closing
Why AVANA CUSO
Credit union connectivity
We help connect qualified commercial real estate opportunities with credit unions and lending partners. Supporting lending relationships built for long-term alignment.
Operational depth across the lending lifecycle
Support spans origination through administration, servicing, participations, and portfolio monitoring.
Technology-enabled reporting and workflow discipline
Structured processes and reporting tools can help teams stay organized, informed, and audit-ready.
Proven success stories
Client testimonials
Jonathan Mays, VP of Mortgage and Commercial Lending
Commonwealth Credit UnionAVANA CUSO provided us with loan growth, reducing our interest rate risk and gave us diversification outside of our small market area
