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“A business real estate loan is a commercial mortgage for the purchase, construction, or renovation of commercial properties. Commercial real estate loans are term loans secured by the value of the property. They can be used to purchase owner-occupied or investment properties.”

“Choose an account that fits the way you do business. Learn More Phone: 401.596.7000 Routing: 211573313 NMLS ID: 518892 Facebook Twitter Instagram LinkedIn Get Started Open & Apply Member Benefits Contact Us Find a Location Get to Know Us Why WCCU WCCU Cares WCCU in the News Careers Rates FAQs Learn With Us Financial Education Click-Compare-Save Free Credit Report Review Life Events Get Started Open & Apply Member Benefits Contact Us Find a Location Get to Know Us Why WCCU WCCU Cares WCCU in the News Careers Rates FAQs Learn With Us Financial Education Click-Compare-Save Free Credit Report Review Life Events Westerly Community Credit Union offers valuable banking solutions including checking accounts , savings accounts , mortgages , home equity loans , car loans , credit cards , personal loans and more. Bank online or visit one of our conveniently located branches in Westerly , Richmond , Wakefield , and Coventry , Rhode Island. Disclosures Privacy Policy Sitemap Accessibility © 2026 Westerly Community Credit Union Website by ZAG Interactive Leaving Westerly Community Credit Union Close You are leaving the Westerly Community Credit Union website. External third-party web sites will be presented in a new and separate content window. Westerly Community Credit Union does not provide, and is not responsible for, the product, service, overall website content, accessibility, security, or privacy policies on any external third-party sites. Continue Cancel”

“Complete and Submit the Form below. You should receive a response within 24 business hours. This is not a secure email - please do not provide account information. First Name First Name is a required field. Last Name Last Name is a required field. Business Name City City is a required field. State (Select State) Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming State is a required field. ZIP Code ZIP Code is a required field. Please enter a valid ZIP code. Phone Number Phone Number is a required field. Please enter a valid phone number. Email Email is a required field. Please enter a valid email address. If you are a current member, what is your primary branch? (Select Branch) 122 Granite Street, Westerly, RI 244 Post Road, Westerly, RI 64 Kingstown Road, Wyoming, RI 4979 Tower Hill Road, Wakefield, RI 2405 Nooseneck Hill Road, Coventry, RI Non-Member How can we help you? reCAPTCHA reCAPTCHA is a required field. Westerly Community Credit Union is a full-service credit union with Rhode Island branches in Westerly , Richmond , Wakefield , and Coventry . The experience was incredible. Barry was amazing. Barry cares about my business and making sure I have what I need to succeed. Working with Barry felt like working with family. I have never had a banking experience like this one. I am so incredibly grateful. David T. of Wakefield Ask for Shannon if you need business funding, she was excellent! She helped me with a couple of business loans. The process was quick, easy, and cheap. That was just what I was looking for. Scott is also a huge help if you end up talking to him! Frank A. of Coventry From start to finish, Shannon was a pleasure to work with. With competitive rates, a simple process, and quick closing, it was an easy decision to obtain my business loan with Westerly Credit Union. The entire staff at the Coventry branch was supportive, patient, and accommodating, making the process seamless. I look forward to my continued work with them. Kendra C. of Coventry Thank you so much to Shannon & Scott at the Coventry RI branch of WCCU! My husband & I learned about their fantastic rate promotion for money market accounts offered. We love the personal service and enthusiasm of them both. Scott is so knowledgeable about all of the WCCU products, so our account set-ups were a breeze. He navigated me through the phone app set up. You can tell right away that Shannon, in the Business Development Office of WCCU is an expert in her commercial lending department with her depth of experience in the banking industry of over 2”

“What types of properties qualify for a WCCU Commercial Real Estate Loan? Commercial Properties Any property owned by a real estate holding company Residential properties with more than 4 units Mixed-use properties How long does it take to get a loan? Average of 45 days, if non-SBA. If SBA, 90 days or greater. How much do we require for a down payment? As little as a 20% downpayment. However, some SBA programs only require a 10% downpayment if traditional financing is cannot be not granted. What documents are required Every application is different, dependent on the type of application and the purpose of the transaction. At least the last two (2) years of financials, appraisal, environmental reports, Personal Financial Statement (aka PFS), Debt Schedule(s), P&L Statements, and Balance sheets. Financials are required for entities with 20% or more ownership interest in the Borrower. Who qualifies for a Commercial Mortgage or Construction Loan? Any business entity Multi-unit property (purchase or refinance) with over 4 units Mixed-use properties Do I need to be a member to apply? No, but a membership needs to be opened prior to closing. Business Term Loans Tap into a loan that delivers for your business. Explore Loans : Business Term Loans”

“From office buildings to mixed-use properties, WCCU provides flexible financing for Rhode Island business owners ready to grow. Why choose WCCU? We offer: No application fee Up to 30 year terms with no balloon payments 80% loan-to-value (LTV) for purchase or refinance Up to 80% loan-to-value (LTV) for owner and non-owner occupied Local appraisals for faster, more affordable closings Local decision-making and personalized guidance from start to finish SBA approved lender We also offer Business Lines of Credit , Business Term Loans and SBA Loans . Speak with one of our Commercial Lending Experts:”

“Western Alliance Bank delivers deep industry expertise and personalized solutions with the financial strength of a top-performing national commercial bank, backed by strong liquidity and high insured-deposit levels that give businesses a stable, resilient banking partner. Explore banking solutions Commercial Banking Specialized services for unique business needs. Explore banking solutions Small Business Flexible banking designed for growing businesses.”

“How to Get the Most Out of Your Business Banking Relationship Read More Liquidity with Purpose: Integrating High-Yield Cash Accounts into Your Wealth Management Strategy Read More Protect Your Finances: Commercial Credit Card and Digital Security Read More Understanding Community Association Borrowing Terms Read More A New SBA Financing Option for Manufacturers: Understanding MARC Loans Read More View All Insights”

“Bridge Bank”

“Choose a commercial bank that knows your industry and delivers personalized solutions backed by strong liquidity, healthy insured-deposit levels, and consistently sound financial fundamentals—all of which reflect our position as a stable, reliable banking partner for businesses across markets and economic cycles. Why Businesses Trust Western Alliance”

“Commercial Real Estate & Construction”

“Commercial Real Estate & Construction Expertise”

“Fairmount Properties is bringing workforce housing, employment, cultural opportunities and small business development in the form of 199 apartments and a much-needed grocery store to the neighborhood surrounding Cleveland Clinic. “Our Western Alliance bankers have been there to support the transaction after the deal closed. We see them as a partner rather than just a third-party capital source.” ~ Adam Fishman, Principal, Fairmount Properties Read the Story All Client Stories Bronstein Our Featured Client”

“With us, your small business is a big deal. You’ll find every product and service you need. Plus the personalized attention that lets you know you have a real partner. From finding the right SBA loan to helping you accelerate your cash flow and more, we’ve got you covered. View Small Business Banking Solutions Open Now Fraud Protection”

“We’re ready to help you get more from your business banking relationship. Find out how we can add value to your enterprise with responsibilities, innovative solutions and bankers who enjoy helping you meet your goals. Find A Banker 1. Requires enrollment in Business Online Banking. Refer to disclosures provided at account opening, the Business Schedule of Fees, and Pro Forma for additional information. Western Alliance Bank LinkedIn Solve today. Succeed tomorrow. ™ Western Alliance Bank offers the expertise, capabilities and flexibility to help your business conquer today’s challenges and capitalize on tomorrow’s opportunities. Find your Location Contact Us Careers Investors Fraud Protection Privacy & Legal Sitemap”

“Construction”

“Construction”

“Competitive fixed rate or variable rate options Fixed monthly payments help manage cash flow Funding available for a wide variety of new and existing property types Funds can be used for new acquisitions, expansions, refinancing, and more Owner and non-owner occupied properties Small Business Administration (SBA) approved lender Local, in-house approval Contact a Business Banker and see what WesternBank can do for you.”

“Competitive fixed rate or variable rate options Fixed monthly payments help manage cash flow Funding available for a wide variety of new and existing property types Funds can be used for new acquisitions, expansions, refinancing, and more Owner and non-owner occupied properties Small Business Administration (SBA) approved lender Local, in-house approval Contact a Business Banker and see what WesternBank can do for you.”

“Send us a secure message *APR = Annual percentage rate. Rate based on creditworthiness and term of loan. **APY = Annual percentage yield. Rates are subject to change at any time and are not guaranteed. We provide links to third party partners, independent from WesternBank. These links are provided only as a convenience. We do not manage the content of those sites. The privacy and security policies of external websites will differ from those of WesternBank. --> The products and services referred to in this website are offered by Western National Bank and should be used as an information source only. Every effort has been made to ensure the accuracy and completeness of the information, however, no guarantee is given or responsibility taken by Western National Bank for any errors or omissions. We provide links to third party partners, independent from Western National Bank. These links are provided only as a convenience. We do not manage the content of those sites. The privacy and security policies of external websites will differ from those of Western National Bank. © Western Bank. All Rights Reserved. Member FDIC. Equal Housing Lender Powered By: OMNICOMMANDER -->”

“Send us a secure message *APR = Annual percentage rate. Rate based on creditworthiness and term of loan. **APY = Annual percentage yield. Rates are subject to change at any time and are not guaranteed. We provide links to third party partners, independent from WesternBank. These links are provided only as a convenience. We do not manage the content of those sites. The privacy and security policies of external websites will differ from those of WesternBank. --> The products and services referred to in this website are offered by Western National Bank and should be used as an information source only. Every effort has been made to ensure the accuracy and completeness of the information, however, no guarantee is given or responsibility taken by Western National Bank for any errors or omissions. We provide links to third party partners, independent from Western National Bank. These links are provided only as a convenience. We do not manage the content of those sites. The privacy and security policies of external websites will differ from those of Western National Bank. © Western Bank. All Rights Reserved. Member FDIC. Equal Housing Lender Powered By: OMNICOMMANDER -->”

“Search Lost or Stolen Card Consumer Loan Application Center Mortgage Loan Application Center Fee Schedule Privacy Policy FDIC Deposit Insurance Personal Financial Statement Credit Card Statements”

“Search Lost or Stolen Card Consumer Loan Application Center Mortgage Loan Application Center Fee Schedule FDIC Deposit Insurance Privacy Policy Personal Financial Statement Credit Card Statements”

“Business Banking Smart Business Banking Business Deposit Accounts Merchant Services Payroll Services Business Banking Team Lending Business Lending Commercial Lending Term Loans FastTrack Business Credit Commercial Line of Credit Commercial Real Estate Loans Letters of Credit SBA Preferred Lender Business Credit Cards Digital Banking Business Online Banking ACH Manager Positive Pay Deposit Manager eStatements Security Center Commercial Lending Learn more”

“Need to refinance your commercial mortgage from another financial institution? A Commercial Real Estate Loan is the perfect solution. Locally-Made Loan Decisions Loans Serviced Locally Owner-Occupied Properties | Contact the Commercial Lending Team Non Owner-Occupied Properties | Contact the Commercial Real Estate Team Open a Business Account Online* *Please note that Business Checking and Business Money Market accounts are the only accounts that can be opened online. Please contact a member of our team to open any other type of business account.”

“Search Commercial Real Estate Loans Need to refinance your commercial mortgage from another financial institution? A Commercial Real Estate Loan is the perfect solution. Locally-Made Loan Decisions”