In light of the government shutdown, we want our members who have been impacted to know that we are here to provide support and assistance. If you have or will be financially impacted by the government shutdown, learn about the options available to you here.

Commercial Real Estate Financing

Tailored financing for your property

With Jovia's Commercial Real Estate financing, you can choose to invest in an income-producing property that builds revenue or own a commercial property that your business can call home. From purchase mortgages to cash-out refinancing, Jovia offers quick decisioning, competitive terms, and interest rates that will help you grow your business.

Commercial Real Estate Loan Rates

  • Custom financing with rates and terms based on property value
  • Financing from $250,000 up
  • Borrow up to 75% of the value
  • Flexible loan term up to 15 years
  • Loan amortization up to 30 years
  • Zero pre-payment penalties

Contact Jovia representative today to learn more about your business-building services!

Meet our Business Lending Specialist

Our team is here to help your business succeed. We work with you one-on-one to assess your needs and structure the best financing deal for your bottom line. Contact Andrew to get started.

Andrew Saluk

Andrew Saluk

Business Lending Sales Manager
(516) 491-8140
[email protected]
Andrew Saluk

Andrew Saluk

Business Lending Sales Manager
(516) 491-8140
[email protected]

Andrew Saluk

Business Lending Sales Manager

With over 30 years of experience in commercial lending, Andrew Saluk has been a key player at Jovia Financial Credit Union since 2011. Starting as a commercial broker and working through various regional institutions, Andrew now focuses on Commercial Real Estate Lending at Jovia. He has successfully closed over $1 billion in loans for diverse property types, from owner-occupied buildings to complex construction projects.

Andrew’s approach centers on understanding each borrower’s unique needs and crafting tailored loan solutions. His expertise, combined with Jovia’s flexible products and competitive rates, has helped grow our Business Lending department and establish Jovia as a leading lender in the local market.

For expert guidance and innovative lending solutions, connect with Andrew Saluk and explore how Jovia can support your financial goals.

You can contact the Business Lending Department by email or phone.

  • For business or commercial real estate loan requests, please send an inquiry via email to [email protected].
  • For servicing or closing matters, please send an inquiry via email to [email protected].
  • If you would like to reach out by phone, please call (516) 561-0030, please choose menu option for Business Banking Services.

Final terms and conditions are subject to full underwriting review. Business account offerings, rates, and product features are subject to change without notice.