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

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

• 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.