Commercial Loans & Lines of Credit

Purchase a Building, Buy Equipment, or Refinance Your Existing Loan at CCU's LOW rates. 

Community Credit Union of Florida has earned the respect of the business community across Brevard by providing trusted advice, local decision-making, and very competitive pricing.

We can assist your business with loans, lines of credit, business banking accounts, and more. As a member-owned, locally-headquartered cooperative, CCU serves the community through a particular focus on the emerging and small business market, including women entrepreneurs, minority-owned businesses, and start-ups. Our service area encompasses five counties: Brevard, Indian River, Volusia, Osceola and Orange. CCU is dedicated to providing members with one-on-one personal service and quick, easy decision-making.

The credit union has originated and participated in commercial development projects ranging in size from $100,000 to $7 million. Community Credit Union offers financing for office buildings, small retail centers and office condominiums. Whether you need to expand your business, buy a new building or just open a line of credit we offer competitive rates, flexible financing plans and fast turn around. That's because all of our decisions are made locally.

Fixed Asset Financing - SBA 504

CCU also offers the SBA's 504 loan which provides fixed asset financing for small businesses. The 504 loan can be used to purchase land, construct new buildings, purchase and renovate existing buildings, acquire and install machinery and expand existing facilities. The advantage of a SBA 504 loan is the low down payment of as little as 10% and long term repayment from 10 to 20 years.

Small Business Lender - SBA 7 (A)

CCU is a U.S. Small Business Lender offering the SBA 7 (A) loan guarantee program. The SBA 7 (A) loan guarantee program is the most popular SBA program and offers up to 25-year loan amortization, which means lower monthly payments for the borrower. Proceeds from the SBA 7(A) program may be used for most business purposes, including the purchase of commercial real estate, equipment and inventory, construction, renovation or working capital.  Down payments for these loans can be as little as 10%. 

Commercial Real Estate Financing

Commercial real estate developers have unique financing needs. At CCU, our business lending professionals will work with you one-on-one from application to closing.

  • Local loan servicing and funding
  • Quick turnaround on loan requests
  • 48-hour draws

If you are buying, building, or just looking for commercial services, CCU has the right account for you. CCU finances a variety of commercial real estate property types including: free-standing buildings, retail, industrial warehouse, office buildings, condominiums, hospitality properties, income-producing properties and owner-occupied properties. CCU provides:

  • Equipment Financing
  • Vehicle Financing
  • Flexible loan programs
  • Lines of Credit
  • Builder Loans
  • Commercial Real Estate Loans
  • Acquisition and Development Loans
  • Construction-Permanent Loans


You may submit a commercial loan inquiry online by clicking or tapping on the "Submit a Commercial Loan Inquiry" image below. This inquiry will provide CCU with basic information about your business financing needs and will help us evaluate if our products are potentially a fit for your situation.  If not, we may be able to refer you to another lender.  

Please note that the inquiry allows you to indicate how quickly you need your funds. This is for reference only to help us gain an understanding of your needs.

This inquiry is extremely brief, but please note that you will need the start date for the business, an estimate of the previous year’s income for the business, and your approximate personal credit score.

Image Submit a Commercial Loan Inquiry | links to online loan inquiry


For more information about CCU's Commercial Lending products, please contact:

North Brevard, Volusia, Osceola, Orange:
Jim Chastain
VP, Commercial Lending Services
321.637.3205
chastainj@ccuflorida.org

South Brevard, Indian River County:
Richard Roach
VP, Commercial Loans
321.637.3129
roachr@ccuflorida.org