Program workspace

“Commercial Mortgage Construction Loan Bridge Loan”

“Commercial Mortgage Construction Loan Bridge Loan”

“Commercial Mortgage Construction Loan Bridge Loan”

“Commercial Mortgage Construction Loan Bridge Loan”

“Commercial Real Estate”

“Construction Loan”

“Construction Loan”

“Construction Loan”

“Frequently Asked Questions Click Here to Learn More Telephone Banking 24/7 Account Access 1-877-402-2265 Check Balances Check Account History Make Transfers between accounts Customer Service Center 1-800-363-8115 Mon – Fri : 8am – 8pm Sat : 8am – 2pm ATM /Visa ® Debit Cards Activate New Cards: 1-800-992-3808 Lost or Stolen Cards: 1-800-472-3272 Find a Financial Center Send a Message As a business owner, you need capital to operate and grow your business. If you are looking for interim financing until your next stage of financing can be obtained, a bridge loan from Spencer may be just right for you. You can count on a quick closing while taking advantage of this short-term opportunity in order to secure long term financing. We offer financing for multi-family and commercial properties. Let Spencer help you bridge the gap! We work with real estate owners and developers in New Jersey to provide bridge loans with financing up to $5 million and terms from 6 months to 12 months. Financing is available for multi-family, industrial, retail and mixed-use properties. Spencer offers competitive pricing, local decision-making and service excellence. A Spencer commercial real estate lender can help explain the various financing options and help customize a bridge loan that’s right for you. Contact Us Today”

“Frequently Asked Questions Click Here to Learn More Telephone Banking 24/7 Account Access 1-877-402-2265 Check Balances Check Account History Make Transfers between accounts Customer Service Center 1-800-363-8115 Mon – Fri : 8am – 8pm Sat : 8am – 2pm ATM /Visa ® Debit Cards Activate New Cards: 1-800-992-3808 Lost or Stolen Cards: 1-800-472-3272 Find a Financial Center Send a Message As a business owner, you need capital to operate and grow your business. If you are looking for interim financing until your next stage of financing can be obtained, a bridge loan from Spencer may be just right for you. You can count on a quick closing while taking advantage of this short-term opportunity in order to secure long term financing. We offer financing for multi-family and commercial properties. Let Spencer help you bridge the gap! We work with real estate owners and developers in New Jersey to provide bridge loans with financing up to $5 million and terms from 6 months to 12 months. Financing is available for multi-family, industrial, retail and mixed-use properties. Spencer offers competitive pricing, local decision-making and service excellence. A Spencer commercial real estate lender can help explain the various financing options and help customize a bridge loan that’s right for you. Contact Us Today”

“Frequently Asked Questions Click Here to Learn More Telephone Banking 24/7 Account Access 1-877-402-2265 Check Balances Check Account History Make Transfers between accounts Customer Service Center 1-800-363-8115 Mon – Fri : 8am – 8pm Sat : 8am – 2pm ATM /Visa ® Debit Cards Activate New Cards: 1-800-992-3808 Lost or Stolen Cards: 1-800-472-3272 Find a Financial Center Send a Message We know that no two investment real estate properties are the same which is why our NJ/NY commercial loans and financing programs are unique to address your specific asset. Spencer provides investment property financing for acquisition as well as refinancing of existing investment property loans. At Spencer, we offer financing for commercial investment properties and some multifamily properties. Our well-seasoned staff has the knowledge and expertise to help you with the financing needed for stabilized properties, purchases and refinances of investment properties. Additionally, Spencer provides ground-up construction loans for rental multifamily properties and for-sale townhome complexes in New Jersey. We work with real estate owners and developers primarily in New Jersey to provide construction and permanent commercial mortgages with loan amounts ranging from $1 million to $20 million with terms from 5 to 10 years. Financing is available for medical office, industrial, retail, select multifamily and mixed-use properties. As a balance sheet lender, Spencer offers competitive terms, local decision-making, flexibility and service excellence. A Spencer commercial real estate lender can help explain the various financing options and help customize a commercial mortgage that’s right for you. Recently Closed Transactions $7,200,000 Apartment/Retail Building 18 apartments, 2 retail units Construction Loan Chatham, NJ $3,960,000 Retail Building 20,871SF, 10 tenants Commercial Mortgage Newark, NJ $11,000,000 Self-Storage Building 979-unit, Climate-Controlled Bridge Loan Bound Brook, NJ $2,620,000 Medical Office Building 8,400SF, 3 Tenants Commercial Mortgage Brooklyn, NY $12,000,000 Primarily Medical Office 119,647SF, 81 Tenants Commercial Mortgage Hamilton, NJ $8,260,000 Industrial Building Complex 125,034SF, 65 Tenants Commercial Mortgage Rockaway, NJ Contact Us Today”

“Frequently Asked Questions Click Here to Learn More Telephone Banking 24/7 Account Access 1-877-402-2265 Check Balances Check Account History Make Transfers between accounts Customer Service Center 1-800-363-8115 Mon – Fri : 8am – 8pm Sat : 8am – 2pm ATM /Visa ® Debit Cards Activate New Cards: 1-800-992-3808 Lost or Stolen Cards: 1-800-472-3272 Find a Financial Center Send a Message Starting a construction project can be a very significant undertaking. Take some weight off your shoulders by partnering with Spencer for a commercial construction loan. Spencer specializes in construction financing and will work with you to custom tailor your loan. Our lending expertise and local decision making translate into an expedient and hassle-free borrowing experience. We offer financing for multi-family properties. See just how easy it is to grow your business with Spencer! We work with real estate developers in New Jersey to provide construction loans with financing amounts up to $15 million and terms from 6 months to 2 years. Financing is available for multi-family properties. Spencer offers competitive pricing, local decision-making and service excellence. A Spencer commercial real estate lender can help explain the various financing options and help customize a construction loan that’s right for you. Recently Closed Transactions $7,300,000 29 Units/Apartment Bldg. Construction Loan Upper Manhattan, NY $2,500,000 13 Unit Retail/Apartment Bldg. Construction Loan Passaic, NJ $3,400,000 19 Units/Apartment Bldg. Construction Loan Hamilton, NJ $8,600,000 127 Units/Apartment Bldg. Construction Loan Philadelphia, PA Contact Us Today”

“Frequently Asked Questions Click Here to Learn More Telephone Banking 24/7 Account Access 1-877-402-2265 Check Balances Check Account History Make Transfers between accounts Customer Service Center 1-800-363-8115 Mon – Fri : 8am – 8pm Sat : 8am – 2pm ATM /Visa ® Debit Cards Activate New Cards: 1-800-992-3808 Lost or Stolen Cards: 1-800-472-3272 Find a Financial Center Send a Message Financing or refinancing your commercial property with Spencer has never been easier with an owner-occupied mortgage. Enjoy the benefits of property ownership including controlling operating costs, no landlord restrictions and real estate appreciation. Financing is available for multi-family, office, industrial, retail and mixed-use properties.”

“SVP/Director of CRE Lending DBerlin@spencersavings.com 1-201-703-3807 Spencer Savings Bank, a community bank headquartered in Elmwood Park, NJ, has been serving its local communities with integrity and pride for more than 130 years. The bank, serving consumers and businesses, operates 27 Financial Centers throughout New Jersey. Connect with Us: NMLS #421318 Routing Number: 221271951 SWIFT code SPVVUS32 NMLS Consumer Access (opens in new window) (opens in new window) Corporate Headquarters Spencer Savings Bank 611 River Drive , Elmwood Park , NJ 07407 Phone : 1-800-363-8115 Join Our Mailing List Subscribe to our emails for financial tips, event information, bank news, product promotions and more! * Required Field First Name* Last Name* Email Address* Personal Banking Business Banking Sign Me Up! More Information Beneficial Ownership Information Accessibility Statement Privacy Policy Privacy Notice HMDA Notice Security Terms of Use FDIC Site Map © 2026 Spencer Savings Bank, New Jersey Designed and Developed by Netwave Interactive Designed and Developed by Netwave Interactive --> × Close Consent Cookie Preferences We use cookies and similar technologies to analyze website traffic, improve site functionality, and enhance your browsing experience. These technologies may collect information such as pages viewed, links clicked, device type, browser settings, approximate location, IP address, and other technical identifiers. We use this information only for aggregated analytics and operational purposes and do not use analytics technologies to directly identify you. Certain analytics tools may involve the transfer of limited technical data to third-party service providers. By clicking “Accept All”, you consent to our use of analytics and related cookies, including data sharing with approved third-party providers for the purposes described. For more information about the categories of cookies we use, the data they collect, and your choices, please review our Privacy Policy , which includes our Cookie Policy. Accept All Reject All”

“SVP/Director of CRE Lending DBerlin@spencersavings.com 1-201-703-3807 Spencer Savings Bank, a community bank headquartered in Elmwood Park, NJ, has been serving its local communities with integrity and pride for more than 130 years. The bank, serving consumers and businesses, operates 27 Financial Centers throughout New Jersey. Connect with Us: NMLS #421318 Routing Number: 221271951 SWIFT code SPVVUS32 NMLS Consumer Access (opens in new window) (opens in new window) Corporate Headquarters Spencer Savings Bank 611 River Drive , Elmwood Park , NJ 07407 Phone : 1-800-363-8115 Join Our Mailing List Subscribe to our emails for financial tips, event information, bank news, product promotions and more! * Required Field First Name* Last Name* Email Address* Personal Banking Business Banking Sign Me Up! More Information Beneficial Ownership Information Accessibility Statement Privacy Policy Privacy Notice HMDA Notice Security Terms of Use FDIC Site Map © 2026 Spencer Savings Bank, New Jersey Designed and Developed by Netwave Interactive Designed and Developed by Netwave Interactive --> × Close Consent Cookie Preferences We use cookies and similar technologies to analyze website traffic, improve site functionality, and enhance your browsing experience. These technologies may collect information such as pages viewed, links clicked, device type, browser settings, approximate location, IP address, and other technical identifiers. We use this information only for aggregated analytics and operational purposes and do not use analytics technologies to directly identify you. Certain analytics tools may involve the transfer of limited technical data to third-party service providers. By clicking “Accept All”, you consent to our use of analytics and related cookies, including data sharing with approved third-party providers for the purposes described. For more information about the categories of cookies we use, the data they collect, and your choices, please review our Privacy Policy , which includes our Cookie Policy. Accept All Reject All”

“SVP/Director of CRE Lending DBerlin@spencersavings.com 1-201-703-3807 Spencer Savings Bank, a community bank headquartered in Elmwood Park, NJ, has been serving its local communities with integrity and pride for more than 130 years. The bank, serving consumers and businesses, operates 27 Financial Centers throughout New Jersey. Connect with Us: NMLS #421318 Routing Number: 221271951 SWIFT code SPVVUS32 NMLS Consumer Access (opens in new window) (opens in new window) Corporate Headquarters Spencer Savings Bank 611 River Drive , Elmwood Park , NJ 07407 Phone : 1-800-363-8115 Join Our Mailing List Subscribe to our emails for financial tips, event information, bank news, product promotions and more! * Required Field First Name* Last Name* Email Address* Personal Banking Business Banking Sign Me Up! More Information Beneficial Ownership Information Accessibility Statement Privacy Policy Privacy Notice HMDA Notice Security Terms of Use FDIC Site Map © 2026 Spencer Savings Bank, New Jersey Designed and Developed by Netwave Interactive Designed and Developed by Netwave Interactive --> × Close Consent Cookie Preferences We use cookies and similar technologies to analyze website traffic, improve site functionality, and enhance your browsing experience. These technologies may collect information such as pages viewed, links clicked, device type, browser settings, approximate location, IP address, and other technical identifiers. We use this information only for aggregated analytics and operational purposes and do not use analytics technologies to directly identify you. Certain analytics tools may involve the transfer of limited technical data to third-party service providers. By clicking “Accept All”, you consent to our use of analytics and related cookies, including data sharing with approved third-party providers for the purposes described. For more information about the categories of cookies we use, the data they collect, and your choices, please review our Privacy Policy , which includes our Cookie Policy. Accept All Reject All”

“SVP/Director of CRE Lending DBerlin@spencersavings.com 1-201-703-3807 Spencer Savings Bank, a community bank headquartered in Elmwood Park, NJ, has been serving its local communities with integrity and pride for more than 130 years. The bank, serving consumers and businesses, operates 27 Financial Centers throughout New Jersey. Connect with Us: NMLS #421318 Routing Number: 221271951 SWIFT code SPVVUS32 NMLS Consumer Access (opens in new window) (opens in new window) Corporate Headquarters Spencer Savings Bank 611 River Drive , Elmwood Park , NJ 07407 Phone : 1-800-363-8115 Join Our Mailing List Subscribe to our emails for financial tips, event information, bank news, product promotions and more! * Required Field First Name* Last Name* Email Address* Personal Banking Business Banking Sign Me Up! More Information Beneficial Ownership Information Accessibility Statement Privacy Policy Privacy Notice HMDA Notice Security Terms of Use FDIC Site Map © 2026 Spencer Savings Bank, New Jersey Designed and Developed by Netwave Interactive Designed and Developed by Netwave Interactive --> × Close Consent Cookie Preferences We use cookies and similar technologies to analyze website traffic, improve site functionality, and enhance your browsing experience. These technologies may collect information such as pages viewed, links clicked, device type, browser settings, approximate location, IP address, and other technical identifiers. We use this information only for aggregated analytics and operational purposes and do not use analytics technologies to directly identify you. Certain analytics tools may involve the transfer of limited technical data to third-party service providers. By clicking “Accept All”, you consent to our use of analytics and related cookies, including data sharing with approved third-party providers for the purposes described. For more information about the categories of cookies we use, the data they collect, and your choices, please review our Privacy Policy , which includes our Cookie Policy. Accept All Reject All”

“Loan Amounts up to $10 Million Fixed or Adjustable Rate Loan Flexible Term Options Available Local Decision Making Monthly Itemized Statements Commercial property ownership is a viable goal thanks to Spencer. The loan can be structured to meet your needs, helping to ensure your success. Inquire Now Contact Us Today”

“SVP, Director of Commercial & Industrial Lending and Small Business Finance smusacchio@spencersavings.com 1-201-703-3827 Spencer Savings Bank, a community bank headquartered in Elmwood Park, NJ, has been serving its local communities with integrity and pride for more than 130 years. The bank, serving consumers and businesses, operates 27 Financial Centers throughout New Jersey. Connect with Us: NMLS #421318 Routing Number: 221271951 SWIFT code SPVVUS32 NMLS Consumer Access (opens in new window) (opens in new window) Corporate Headquarters Spencer Savings Bank 611 River Drive , Elmwood Park , NJ 07407 Phone : 1-800-363-8115 Join Our Mailing List Subscribe to our emails for financial tips, event information, bank news, product promotions and more! * Required Field First Name* Last Name* Email Address* Personal Banking Business Banking Sign Me Up! More Information Beneficial Ownership Information Accessibility Statement Privacy Policy Privacy Notice HMDA Notice Security Terms of Use FDIC Site Map © 2026 Spencer Savings Bank, New Jersey Designed and Developed by Netwave Interactive Designed and Developed by Netwave Interactive --> × Close Consent Cookie Preferences We use cookies and similar technologies to analyze website traffic, improve site functionality, and enhance your browsing experience. These technologies may collect information such as pages viewed, links clicked, device type, browser settings, approximate location, IP address, and other technical identifiers. We use this information only for aggregated analytics and operational purposes and do not use analytics technologies to directly identify you. Certain analytics tools may involve the transfer of limited technical data to third-party service providers. By clicking “Accept All”, you consent to our use of analytics and related cookies, including data sharing with approved third-party providers for the purposes described. For more information about the categories of cookies we use, the data they collect, and your choices, please review our Privacy Policy , which includes our Cookie Policy. Accept All Reject All”

“Competitive rates available for owner-occupied or investment real estate properties Available for purchase, refinance or construction”

“Key Features Competitive Rates Flexible Terms Local Decisions Request Info Benefits Competitive rates available for owner-occupied or investment real estate properties Available for purchase, refinance or construction Flexible repayment terms, customized uniquely to your business Mortgage advisors with working knowledge of local real estate standards Local, Southern Illinois decision-making and processing Friendly, detailed attention from start to finish; ongoing business relationship maintained thereafter Request Info Print”

“Our team of dedicated lending experts works with developers, owners, brokers and investors on a wide range of projects. And, our in-house construction disbursement group allows us to work directly with you to quickly address project changes and resolve any lien issues, which helps to ensure a timely completion for our developers. We stay directly involved from the day of the application through loan payoff to maintain a smooth transaction.”

“Commercial Real Estate Finance Construction Loans”

“Construction”

“How often do you find a lender that makes sure your projects are ahead of schedule? Our decision-making construction loan team can meet you on short notice to meet your deadlines.”