How to buy commercial property in the Bay Area and fund your business

Are you tired of paying rent to a property manager? Need new equipment for your business? Our business loan experts can help you get where you want to go.

Grow Your Business


Operating a business in San Francisco can be expensive. If your business is ready to expand, but needs the funds to do so, SF Fire can help grow your business with our fee-friendly loans. Discover the best business loans in the Bay Area.

While there are some operating costs you can’t avoid, paying rent doesn’t have to be one of them.

Owning the property your business is in can save you money in the long run. Instead of writing a check to someone else every month, start investing in yourself with a commercial real estate loan. 

Buying property in the Bay Area doesn’t have to be hard. Our loan experts understand the local real estate market and will take the time to understand your business and find solutions that fit your needs.

Whether it's office space, retail, or industrial – we offer great rates on commercial real estate loans for all property types. 

View our recent commercial real estate deals to see some of the properties we've helped fund.

You pay no points on our commercial real estate loans, and you only pay out-of-pocket third-party costs, such as: title, appraisal, environmental, and legal fees. Learn more about a Commercial Real Estate Loan with us.

Once you’ve got your space, discover more ways to grow your business with us.

With a Business Line of Credit, you can borrow what you need when you need it. We understand the importance of cash flow when keeping your business running. Whether it’s for short-term needs or to fund purchases throughout the year, learn more about how a Business Line of Credit could be right for you.

When you’re looking to fund your business with a lump sum, a Business Loan with great rates might be right for you. You can get the cash you need to expand, or manage the ups and downs of your business. When you get a business loan with SF Fire, we treat you like a person, not a number, and try to design a loan that works for your business.

Whether you are expanding your business through property, or your next project, make sure you've got access to the best business accounts in the Bay Area with SF Fire Credit Union.


What We Offer

Commercial Real Estate Loans

We offer loans from $250,000 to $10,000,000, with fixed and variable rates. 

Maturities up to 10 years. 

Loan amortization up to 30 years. 

Contact John Mix to Apply


Property Types

We offer loans for all major property types, including: office, retail, and industrial.

Financing for properties in the Bay Area, and most major West Coast markets.

Investment and Owner/User financing. 

Business Term Loans

We offer competitive rates on loans from $100,000 to $10,000,000. 

Get funds to purchase inventory, equipment, or other assets. 

Contact Kevin Louie to Apply


Business Lines of Credit

With a Business Line of Credit, you can borrow what you need, when you need it. 

Fund your short-term needs, or fund equipment purchases throughout the year. 

Contact Kevin Louie to Apply


We offer highly competitive commercial real estate lending solutions. Our loan experts will treat you like a person, not a number, and work hard to help your business grow.

Get started with SF Fire Credit Union today and take your business to new heights.

Discover More


Checking you can count on

We offer the Bay Area’s best checking account. No minimum balance, no monthly fee, and up to 12 ATM surcharge rebates per month.

Learn More

Ready to put rubber to the road?

If there's a new, used, or refinanced auto in your future, we have speedy finance options to get you where you want to go.

Learn More

Let's Talk

As a local credit union, we want to get to know you and help you achieve your goals. Come into a branch or call us today. Our people are happy to serve you.


(415) 674-4800
(888) 499-FIRE (3473)
Mon – Sat 7:00 AM – 8:00 PM


Stop by a branch

Branch hours
Mon – Fri 8:30 AM – 6:00 PM
Saturday 8:30 AM – 3:00 PM

Find a Branch or ATM