Commercial Loans

Looking for a loan to help with everyday business needs or a way to finance commercial real estate? Cinfed Credit Union is ready to help you obtain your goals. Cinfed offers a wide variety of business loan products.

Loans That Fit Your Business
Getting Started
Let us help your company achieve remarkable possibilities. Choose Cinfed Credit Union as your business lending partner. Contact Nick Sundrup, our Commercial Credit Officer, by calling 513-333-3894 or via email at nsundrup@cinfed.com.

Commercial Loan Application
Personal Financial Statement

10 Year Term 80% LTC** 25 Years 1 YR ARM 4.55%
      3/1 ARM: 4.80%
      5/1 ARM 5.05%
      7/1 ARM 5.30%
      10 YR Fixed 5.80%
Refinance Rate & Term
10 Year Term 75% 25 Years 1 YR ARM 4.55%
      3/1 ARM 4.80%
      5/1 ARM 5.05%
      7/1 ARM 5.30%
      10 YR Fixed 5.80%
Refinance Cash-Out***
10 Year Term 70% 20 Years 1 YR ARM: 4.80%
      3/1 ARM: 5.05%
      5/1 ARM 5.30%
      7/1 ARM 5.55%
      10 YR Fixed 5.99%
Construction & Development
12 Month Term 65% Interest Only Variable 5.00% Floor
Operating Lines of Credit
12 Month Term Varies by Collateral Revolving Variable 5.50% Floor

Full Recourse - No Prepay Penalty
* Amortization: Up to 25 Years for loan amounts > $500,000; 30 YR > $2,000,000; 15 YR MAX < $100,000
** Reduce MAX LTV by 5% for investment properties
***Add MIN 0.25% for investment properties/blanket financing
- All ARM products assume 2% Caps, -1% Floor, +6% Ceiling
- All rates assume MIN 1% Lender/Servicing Fees to Cinfed for New Member; 0.50% for Existing Members
- Monthly payments must be set up on automatic debit from a Cinfed share account.
- Rate & Terms as of 02/11/19, are subject to change without notice; please call for a quote.


LENDING LIMIT: $5,000,000 Individual Commitment; $7,500,000 Aggregate Relationship

LENDING AREA: Cinfed's Community Charter is defined as the Cincinnati Metropolitan Statistical Area (MSA); which comprises the following 15 counties:

Ohio - Brown, Butler, Clermont, Hamilton, Warren

Kentucky - Boone, Bracken, Campbell, Gallatin, Grant, Kenton, Pendleton

Indiana - Dearborn, Franklin, Ohio

 - Other adjoining counties subject to Member Eligibility


- Loan Summary
- Application, Driver's License and Credit Authorization
- Personal Financial Statement, including Schedule of Real Estate Owned
- Current Year Interim Business Financial Statement
- 3 Years Tax Returns (Personal & Business)
- Collateral Documentation, including current mortgagee details & insurance coverage
- Additional Documentation requirements may include, but not be limited to the following: Purchase Contract, Leases, Rent Roll, Pro Forma, Asset Verification, Management Resume

DUE DILIGENCE: Cinfed will order all Third Party Reports: Title Search, Appraisal & Environmental

Commercial Loan Application
Personal Financial Statement


> Download Commercial Loan Application
> Download Personal Financial Statement


Cinfed Credit Union
4801 Kennedy Avenue
Cincinnati, OH 45209
(513) 333-3800
Routing #242076656


We've only been members for a little over a month and already feel the difference. I don't want to name names, but let's just say Cinfed is WAY better than our previous institution that rhymes with... 
— Jeff, Dawn, & Jordan, members since 2013
I been a member since 1985 and can not imagine banking anywhere else. This credit union as taken care of my every need. 24/7 services is excellent.
— Edward, member since 1985
Recently I tried to locate the Oakley office using google maps. The google directions did not get me close to Cinfed. I called the office and Liz remained on the phone until I reached the... 
— Debbie G
As a long time member, I have always received great service from all CinFed employees. I just wanted to say a special thank you to Dee Dee Day and Dawn Strickland. I had to make some changes to... 
— John-Member since 1990
Earlier this year my much younger sister passed away and with that many obligations were to be met by my husband and myself ..My sister was survived by a daughter and son. We have since then taken on... 
— Vonda
How lucky I am to have Liz Frey managing the office I use! I live in Florida but maintain Cinfed as my main banking office. Everytime I need special help a simple email or call to Liz and it is... 
— Debbie G
Emily Snyder took the best care of my two auto loans. She was professional, courteous and very knowledgeable of the available services for me. She went out of her way to make sure I felt like I was... 
— Sarah Amyotte
I have been member with Cinfed since 1986. The Roselawn Cinfed staff greeted the customer phone calls friendly and polite willing to help you with your needs. They have excellent customer service.... 
— Marian Dudley
I have been a member of CINFED since about 1981 when I was transferred from SLC, Utah with the US Army Recruiting Command and have always received excellent service and support . Hope Dee Dee is... 
— Robert Olguin

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