Helping Community Businesses Thrive.
The Business Lending division of Credit Union of Southern California (CU SoCal) is committed to delivering World-Class Service tailored to meet your company’s lending and investing needs. Our experienced lending team offers competitive loan programs and knowledgeable advisors to help you every step of the way.
Building Better Lives & Communities
As one of the most well capitalized credit unions in the nation, Credit Union of Southern California (CU SoCal) is committed to the economic vibrancy of the communities it serves. Each year we enthusiastically donate thousands of dollars to local organizations through our employee charity, and strive to bolster the success of local businesses through our business lending products.
One-to-One With Our Commercial Lending Officer
Meeting face-to-face or over the phone with our Commercial Lending Officer gives you the opportunity to have all your detailed financing questions answered and to gain valuable insights. To prepare for the discussion, we encourage you to have a rent roll and income/expense statement on hand.
Get the IDEAL LOAN for your INVESTMENT PROPERTY
Increase Cash Flow.
Lower your monthly payments and maximize the return on your investment with terms up to 15 years and amortization up to 30 years.
Reduce Out-of-Pocket Expenses.
Pay no points1 and limited fees at closing.
Skip the Red Tape.
As a direct lender, not a broker, we have more control over the decision making, giving you greater flexibility, competitive rates, and a faster approval process. In most cases, your loan can fund in as little as 45 days from receipt of your completed application package—half the time of a typical investment loan!
Receive Expert Advice—Every Step of the Way.
Whether you’re all set to buy or trying to figure out what you can afford, you need solid financing information and guidance. CU SoCal’s Business Lending representatives offer unbiased, trusted advice through the entire loan process—even after hours and on weekends.
|Loan Amounts||$50,000 – $4,000,000|
|Qualified Loan Uses|| Finance for purchase
Cash out refinance
Rate and term refinance
|Loan Terms|| 5 to 15-year fixed- and adjustable-rate programs
Amortization up to 30 years
No seasoning requirements
|Eligible Properties|| Single/multiple-family residences
(including garden, mid-rise, and high-rises)
|Eligible Businesses|| Sole Proprietorship (with or without DBA Partnerships)
Corporations (including S-Corporations)
Limited Liability Companies
We also offer SBA Loans.
One-to-One With Our Commercial Lending Officers
Meeting face-to-face or over the phone with our Commercial Lending Officers gives you the opportunity to have all your detailed financing questions answered and to gain valuable insights. To prepare for the discussion, we encourage you to have a rent roll and income/expense statement on hand.
Contact Orlando Cepeida, Commercial Lending Officer, at 562.365.1893, 714.316.3567 (cell), or by email to OCepeida@CUSoCal.org.
Contact Dexter De Mesa, Vice President of Commercial Lending, at 562.365.1888, 562.325.4135 (cell), or by email to DDeMesa@CUSoCal.org.
Build A Brighter Future.
The Investment Services Division at CU SoCal, available through CFS*, is here to help you build a brighter financial future. Providing helpful information on money matters is an important part of the service we provide Members and business owners.
With CU SoCal’s commitment to service and experience in personal finance, our knowledgeable CFS* Financial Advisors provide quality investment products and services including:
- Financial Planning
- Stocks, bonds, mutual funds and exchange traded funds (ETFs)
- Retirement annuities
- Private portfolio management
- College planning and funds
- Socially Responsible Investments (SRIs): Support corporations demonstrating a commitment to green and socially responsible practices
- Long-Term Care Insurance
- Life Insurance
- 401(k) and 403(b) Tax-Sheltered Accounts
- Individual Retirement Accounts (IRAs)
Make a No-Cost Appointment Today!
Get started on a brighter financial future for you and your family by making a no-cost appointment with a CFS Financial Advisor at CU SoCal today.
*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA /SIPC) and Registered Investment Advisor. Products offered through CFS are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. The credit union has contracted with CFS to make non-deposit investment products and services available to credit union members.
|CHARTERED RETIREMENT PLANNING COUNSELORSM and CRPC® are registered service marks of the College for Financial Planning®.|