Commercial Programs

Our mission is to serve our customers with honesty, integrity and competence.

Commercial loans are a critical resource for businesses looking to expand, invest in new opportunities, or manage their day-to-day operations. At Capital United, we understand the unique financial challenges that businesses face and offer a variety of loan products to meet the diverse needs of our clients. Whether you are seeking funding for real estate, equipment, inventory, or working capital, we are committed to providing tailored solutions that help your business thrive.
Our commercial loans include options such as term loans, lines of credit, SBA loans, and commercial real estate loans. Each product is designed with flexibility and competitive rates in mind, allowing businesses to manage growth or cash flow effectively. For startups and established companies alike, we provide expert guidance to help navigate the complexities of business financing and ensure you make informed decisions that align with your long-term goals.
At Capital United, we pride ourselves on offering personalized service and transparent communication throughout the entire lending process. Our dedicated loan officers will work closely with you to understand your business's specific needs and craft a financing package that positions your company for success. Whether you are planning for expansion or managing current operations, we are here to help you access the capital you need to reach your business objectives.

Conventional Loans

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We lend on commercial properties nationwide. We lend on multifamily, muti-tenant retail, NNN single tenant retail, industrial, hotel, gas stations, and other special purpose/mixed use property types. The most common type of commercial loan option is the traditional 5, 7, and 10 year fixed-rate mortgage which includes monthly principal and interest payments which never change during the loan’s lifetime.

SBA Loans

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We offer small business loans to clients who are looking to expand their business or purchase a property for their business. We offer fixed rate SBA 7a and 504 loans. These loans are all fully amortized meaning there is no balloon payment. In other words the loan will not come due before the maturity date. The loan will be fully paid off at the end of the loan term.

Adjustable Rate Mortgages (ARM)

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Adjustable-rate mortgages include interest payments which shift during the loan’s term, depending on current market conditions. Typically, these loans carry a fixed-interest rate for a set period of time before adjusting.

Hybrid ARMs (3/1 ARM, 5/1 ARM, 7/1 ARM, 10/1 ARM)

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Hybrid ARM mortgages combine features of both fixed-rate and adjustable rate mortgages and are also known as fixed-period ARMs.

Interest Only Mortgages

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Interest only mortgages are home loans in which borrowers make monthly payments solely toward the interest accruing on the loan, rather than the principle, for a specified period of time.

Components of an ARM

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Prior to choosing a home loan, you should know the advantages and risks of adjustable-rate mortgages to make an informed, prudent decision.

Commonly Used Indexes for ARMs

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This article includes a list of the most commonly used indexes by ARM lenders that affect ARM mortgage rates.

Graduated Payment Mortgages

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Prior to choosing a home loan, you should know the advantages and risks of adjustable-rate mortgages to make an informed, prudent decision.

What kind of loan program is best for you?

Should you get a fixed-rate or adjustable rate mortgage? A conventional loan or a government loan? Deciding which mortgage product is best for you will depend largely on your unique circumstances, and there is no one correct answer.