What types of commercial properties does BrightStar finance?

We finance a wide range of commercial properties including office buildings, retail/storefronts, warehouse/industrial, mixed-use, multi-family (5+ units), and medical/professional properties throughout South Florida.

What are the minimum and maximum loan amounts?

Commercial mortgage loans vary based on the property type, location, and your financial profile. Contact our commercial lending team to discuss the right loan size for your project.

What down payment is required?

Down payment requirements depend on the property type, loan amount, and your financial qualifications. Owner-occupied properties may qualify for lower down payments than investment properties. Our team will discuss specifics based on your situation.

How long does the commercial mortgage process take?

Typical timelines range from 45-90 days from application to closing, depending on the complexity of the property and loan. Our local decision-making process helps keep things moving efficiently.

Can I refinance an existing commercial mortgage?

Yes. Many business owners refinance to take advantage of better rates, adjust their terms, or access equity in their property. We'll review your current loan and let you know if refinancing makes sense.

Do I need to be a BrightStar member?

Yes. You must be or become a BrightStar Credit Union member. If you're not yet a member, we can help you establish membership as part of the loan process.

What documents will I need to apply?

Typically you'll need 2-3 years of business and personal tax returns, financial statements, a business plan or property details, and information about the property you're purchasing or refinancing. Our team will provide a complete checklist.

Does BrightStar offer SBA loans?

Please contact our commercial lending team to discuss SBA loan options and other specialized financing programs that may be available for your project.

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Commercial Mortgages

Finance your commercial real estate with BrightStar Credit Union. Competitive rates, local decision-making, and personalized service for purchases, refinances, and renovations.

Commercial Mortgage Loans Built for Your Business

Whether you're purchasing your first commercial property, refinancing to a better rate, or investing in improvements, BrightStar's commercial mortgage team delivers competitive financing with the local, personal service you deserve.

What We Finance

BrightStar finances a range of commercial property types across South Florida.

Office Buildings

Owner-occupied or investment office space — from single-suite professional offices to multi-tenant buildings.

Retail & Storefronts

Strip centers, standalone retail, and mixed-use properties with retail on the ground floor.

Warehouse & Industrial

Distribution centers, light manufacturing, storage facilities, and flex space.

Mixed-Use Properties

Properties combining commercial, retail, and residential uses under one roof.

Multi-Family (5+ Units)

Apartment buildings and multi-family investment properties with five or more residential units.

Medical & Professional

Medical offices, dental practices, veterinary clinics, and other professional-use properties.

Why Finance with BrightStar?

Competitive Rates & Terms

As a not-for-profit credit union, we offer rates that are typically lower than traditional banks. Flexible terms tailored to your property and cash flow.

Local Decision-Making

Your loan is reviewed and approved right here in South Florida by people who understand the local market — not a distant committee.

Personalized Service

A dedicated commercial lending team that works with you from application through closing and beyond. We're your partner, not just your lender.

Fast, Transparent Process

Clear communication, no hidden fees, and a streamlined process designed to get you to closing without surprises.

How Can We Help?

Purchase — Buying your first commercial property or adding to your portfolio? We'll structure a loan that fits your business.

Refinance — Lower your rate, extend your term, or pull equity from an existing property to reinvest in your business.

Renovation & Improvement — Finance upgrades, tenant build-outs, or major repairs to increase your property's value.

Expansion — Growing into a larger space or adding locations? We'll help you finance your next move.

Commercial Mortgage Questions, Answered

Find answers to common questions about our checking accounts and services.

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