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Commercial Loans Designed for Your Business’ Success

At Signal Financial Federal Credit Union, we understand the financial needs of businesses like yours. Whether you need funds for growth, operations, or real estate, we offer flexible loan solutions with competitive rates and local decision-making.

Our Commercial Loan Products

Commercial & Investment Real Estate Loans

  • Fully amortized and balloon options with terms up to 15 years
  • Finance the purchase of or refinance real estate for business use or investment properties
  • Secured by the financed real estate

Installment Loans

  • Fully amortized loans with terms up to 5 years
  • Ideal for equipment financing, company vehicles, debt consolidation, and capital expenditures
  • Secured by fixed assets with a useful life equal to or greater than the loan term

Working Capital Credit Lines

  • Revolving credit lines with a 12-month term and interest-only payments
  • Use for payroll, inventory, working capital, and general business needs
  • Secured by accounts receivable, inventory, or other business assets

What You’ll Need to Apply

  • 3 years of business financial records (tax returns, income statements, balance sheets, equity statements)
  • 3 years of personal financial records for business owners (tax returns, personal financial statements)
  • Additional documentation required based on loan and collateral type

Why Choose Signal Financial?

✔ Local Decision-Making
Our executives and board members live and work in your community, ensuring quick, reliable loan approvals without corporate red tape.

✔ Member-Friendly Fees & Flexible Terms
No excessive fees—just the cost of closing and servicing your loan. We offer customized terms to fit your business needs, whether you prioritize lower rates or lower payments. Plus, no prepayment penalties, so you can pay down your loan early without extra costs.

✔ Exclusive Interest Rate Discounts
Enjoy a rate discount when you use a Signal business checking account as your primary operating account—it’s our way of saying thank you for your membership.

✔ A Relationship-Focused Approach
We believe in honest, transparent communication from application to loan maturity. Our team is here to support your business today, and tomorrow.

Meet Al Liriano, AVP Commercial Loan Officer

301.933.9100 ext. 339 →
240.204.1623 (c) →
aliriano@signalfinancialfcu.org

Al brings over 15 years of experience in commercial lending, portfolio management, and small business financing. Passionate about building strong client relationships, he is committed to helping businesses succeed and grow. If your business needs a trusted financial partner, Al is ready to connect you with Signal’s smart business banking solutions.

Connect with Al

Contact the Commercial Loan Department Today

Let’s discuss how we can help finance your business goals.

Bank easier, bank faster, and bank better with Signal Financial Federal Credit Union.
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Routing Number:
255075495

Main Line
301-933-9100

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Signal Financial Federal Credit Union is federally insured by the National Credit Union Administration.
NMLS# 504754 | Equal Housing Lender | Equal Opportunity Employer