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Lending

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Investment Property Loans

Universal Bank is an experienced multifamily and commercial property lender who understands current lending and market conditions. Whether you are a new multifamily investor or an established commercial real estate property investor, our loan programs are designed to ensure that your requirements for structure, cost and timeliness are met.

  • Multifamily - Including 1 to 4-unit properties

  • Mobile Home Park

  • Commercial/ Retail /Office

  • Hospitality

  • Owner Occupied

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Business Loans and Lines

Universal Bank’s experienced lending team offers expedient solutions for working capital, equipment, acquisition financing, and more. Our value extends beyond pricing and terms, we add focus on building a high-level of trust with each client relationship. We work with our clients to develop a tailored commercial credit solution to keep your business competitive and growing.

  • Business Line of Credit secured by Real Estate and/or other Collateral

  • 1-to-2 year Terms available

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Lending Programs

  • Loans from $500,000 to $10M

  • Hybrid 3 and 5-year program

  • 25 and 30-year term amortization

  • Step-down prepayment premiums

  • Refinances, rate and term, and cash-out

  • Purchase/Acquisition


Financing Terms:

  • Rate and Terms are subject to pricing adjustment based upon loan size, collateral type, and credit factors.

  • Lower loan amounts considered on a case-by-case basis.

  • All loan programs require an operating account and a Borrower deposit relationship, as determined by the bank.

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Online Forms

Question: How do I apply?
Answer: Complete Universal Bank’s “Downloadable Forms”.

Question: Who and how do I securely send the forms to Universal Bank?
Answer: Contact one of Universal Bank’s Business Development Officers, they will send a secure Link.

Downloadable Forms:

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Contact Information

Armando Carlos
SVP, Business Development Manager

(626) 854-2818 ext.126

Nancy Sloan
Business Development Officer

(888) 809-8282 ext.189




Corporate Hours & Info

3455 Nogales St. Floor #2
West Covina, CA 91792
(626) 854-2818
Monday – Friday: 8:30am-5:30pm
Saturday – Sunday: Closed

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