Ready to Own
Your Space?

Turn Rent Payments into Real Business Equity

Acquire new properties or strengthen performance on existing ones.
Fixed or adjustable rates aligned to your timeline and cash flow.

Turn Rent Payments into Real Business Equity

Tired of paying someone else’s mortgage? Take control of your future with a Commercial Real Estate Loan. Whether you’re buying the space your business runs from or investing in income-producing property, a Frontwave Commercial Real Estate Loan helps you move forward with control, flexibility and long-term value.

Owner-Occupied Loans

Stop Renting. Start Owning. Move your business into a space you control. Build equity, lock in your costs and take charge of what’s next.

Buy or Refinance with Purpose
Secure the property your business needs or improve your current position.

Rates Built for Business Owners
Fixed or adjustable options aligned to your timeline and cash flow.

Turn Rent Into Equity
Every payment builds ownership instead of paying a landlord.

Space Built for Your Business
Office, industrial or mixed-use designed for how you operate.

Local Team. Real Results.
We know your market and how to get deals done.

 

 

Investment Property Loans

Build Income. Grow Your Portfolio. Finance income-producing real estate that delivers cash flow today and long-term value over time.

Buy or Refinance with a Strategy
Acquire new properties or strengthen performance on existing ones.

Rates Aligned to Your Returns
Options built around your horizon, risk and income goals.

Turn Rent Into Returns
Generate income while building equity across your portfolio.

Built for Income-Producing Properties
Multifamily, mixed-use, office or industrial assets designed to perform.

Local Experts in CRE Investing
We understand the numbers, the market and how to move fast.

 

Ready to Grow
Your Business?

Stop renting. Start building equity. Whether you’re investing in multifamily housing, upgrading your industrial space, or securing a permanent home for your business, we’ll help you make it happen.

Connect with a Business Banking Expert today—we’ll walk you through your options and help you take the next step.

Loans That Mean Business

Commercial Real Estate

Stop paying rent and start investing in your future. With a Commercial Real Estate Loan, you can purchase or refinance office space, industrial facilities, mixed-use properties, or multifamily units - building equity while securing a permanent home for your business.

Business Equity Line of Credit (BELOC)

Leverage the equity in your business property to secure a flexible line of credit ranging from $50,000 to $500,000. Whether you’re looking to expand, renovate or boost working capital, our Business Equity Line of Credit puts the money you need at your fingertips.

Unsecured Loans4

Rates as low as 7.75 APR*

Need a flexible financing solution to fuel your business growth? Our Unsecured Lines of Credit give you access to funds without collateral for your established business, providing the financial freedom your business demands.

Secured Loans3

Rates as low as 6.75 APR*

Maximize Your Business Potential with Secured Lines of Credit. Our Secured Lines of Credit deliver a dependable and versatile financing solution for businesses with assets to leverage. Whether you're managing cash flow, investing in growth, or covering unexpected costs, our secured credit lines offer the robust financial support your business demands.

Equipment Loans2

Rates as low as 6.75 APR*

Having the right equipment is essential to your business’s success. Whether you need new technology or tools for your medical or dental practice, restaurant, construction site, or service business, we’re here to help. Leverage your business’s assets to access flexible financing, lower rates, and higher credit limits.

Vehicle Loans1

Rates as low as 6.75 APR*

Reliable transportation isn’t a luxury for a small business - it’s a necessity. Frontwave has your back when you need a new or used car, truck, trailer or van to keep your business rolling. Our competitive and flexible financing options are designed to meet your specific needs, helping your business grow and thrive.

Disclaimers

*APR = Annual Percentage Rate. The rates listed are effective as of 12/15/2025 and are subject to change without notice.

1. Membership qualifications apply. Rates, terms and conditions may vary and depend on several factors, such as the borrower's creditworthiness, income verification, loan-to-value ratio, etc. A fixed-rate commercial vehicle loan with an 7.50% APR is based on your credit score, LTV of 80% or less, and loan amount between $5,000 and $350,000 with repayment terms of up to 36 months. All commercial vehicle loans require a clean title with Frontwave Credit Union as the verified lienholder, a Personal Guaranty and must pay a $150 origination fee. A monthly payment based on an 8.25% APR for 60 months is approximately $20.40 per $1,000 financed.

2. Membership qualifications apply. Rates, terms and conditions may vary and depend on several factors, such as the borrower's creditworthiness, income verification, loan-to-value ratio, etc. A fixed-rate commercial equipment loan with an 7.50% APR is based on your credit score, LTV of 80% or less, and loan amount between $5,000 and $250,000 with repayment terms of up to 36 months. All commercial equipment loans will require a Uniform Commercial Code-1 (UCC-1) filing and/or a clean title with Frontwave Credit Union as the verified lienholder depending on collateral type, a Personal Guaranty and must pay a $150 origination fee. A monthly payment based on an 8.25% APR for 60 months is approximately $20.40 per $1,000 financed.

3. Membership qualifications apply. Rates, terms and conditions may vary and depend on several factors, such as the borrower's creditworthiness, income verification, loan-to-value ratio, etc. A non-vehicle secured business line of credit with a 7.50% APR is based on your credit score, LTV of 80% or less, and line of credit between $5,000 and $250,000. A 20% down payment will be required for secured loans. All non-vehicle secured business lines of credit will require a Uniform Commercial Code-1 (UCC-1) and a Personal Guaranty. Secured line of credit accounts have a $200 annual fee. An interest-only monthly payment based on an 9.00% APR is approximately $7.50 per $1,000.

4. Membership qualifications apply. Rates, terms and conditions may vary and depend on several factors, such as the borrower's creditworthiness, income verification, etc. An unsecured business line of credit with a 8.50% APR is based on your credit score and line of credit between $5,000 and $250,000. All unsecured business lines of credit require a Personal Guaranty. Unsecured line of credit accounts have a $100 annual fee. An interest-only monthly payment based on a 10.00% APR is approximately $8.33 per $1,000.