Welcome to the Business Lending Center

Business Loans and Commercial Mortgages

Serving Massachusetts, New Hampshire, and Rhode Island.

Why Choose DCU? | Business Loan Products Available | Applying for Loans

Why Choose DCU?

Personalized Service – You're not a number, you're a member.
Fast and Easy Application Process – For loan requests that total $250,000 or less ($500,000 or less if part of the loan is for Real Estate), our short application – QuickApp – streamlines the paperwork process. For other loans, our professional lenders will ensure minimum paperwork and a fast response.
Competitive Interest Rates and Low Costs – As a credit union we can offer very attractive interest rates with low costs that will fit within your budget.
Federal Regulations – Allows us to loan up to 80% of the value of the collateral.
SBA Loans. We are an approved SBA Lender.

If the Business Lending Center Can't Help

Consider a DCU home equity loan secured by your personal residence. Some DCU member business owners may not qualify for loans through the Business Lending Center if their business is too young or because of the type of business. For them, home equity loans have always been a popular financing option.

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Business Loan Products Available

FlexLine Business Line of Credit
Do you need temporary working capital for seasonal needs, bulk purchases, or other short-term cash needs? Our low rate FlexLine is the product for you.
For more information, select here

Term Loans
Do you need money for expansion, new equipment, leasehold improvements, permanent working capital, or other long-term needs? Are you a real estate developer? Our flexible term loans will answer your needs.
We have loans up to 7 years, loans with interest-only periods to help you with seasonal cash flow needs, floating or fixed rates, and many more flexible options to tailor the right loan for your company.
For more information, select here

Commercial Mortgages and Construction Mortgages – No Prepayment Fees

Are you buying or constructing a new building? Do you need to refinance your current mortgage? Are you looking to consolidate some loans, or are you simply looking to cash out on some of your commercial real estate holdings?
We provide mortgages for just about all types of properties which include manufacturing buildings, warehouses, medical buildings, offices, retail centers, apartment complexes from 5 to 50 units, and commercial condominiums. We finance owner-occupied or investment properties.
For more information on Commercial Mortgages select here.
For more information on Construction Mortgages select here.

Equity Mortgages
Do you need a line of credit for working capital or a term loan for equipment? We have Second Mortgage Equity Lines of Credit and Term Loans for you.
For more information select here.

Visa^® Business Platinum
DCU's Visa Business Platinum Credit Card is a convenient and smart way to purchase and track business expenses.
For more information select here.

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Applying for Loans

Determine your requirements and then follow the directions below. Each QuickApp will list the required documents to submit with the application.

You can fax the information to the fax numbers listed below or you can:

Mail to:

Digital Federal Credit Union
220 Donald Lynch Boulevard
PO Box 9130
Marlborough, MA 01752-9130
Attention Commercial Loan Department

Or drop it off at your nearest branch. Select here for branch locations.

Vehicle (or any titled vehicle) Business Loan

Print QuickApp for Business Vehicle Loans
Fax to: 508.804.3620

Business Lines of Credit and Term Loans $250,000 or less in total.

Print QuickApp for Business Loans
Fax to: 508.804.3620

Mortgages $500,000 or less.

If this is an investment property
- Print QuickApp for Investment Mortgage Commercial Real Estate Loans
If you occupy this business in your building
- Print QuickApp for Business Loans
Fax to: 508.804.3620

Equity Mortgage Term Loans and Equity Lines of Credit less than $500,000

Print QuickApp for Second Mortgage Commercial Real Estate Loans
Fax completed application to 508.804.3620.

Business Loans over $250,000 or Mortgages over $500,000

Call 508.804.9188 or 800.328.8797 extension 9188 to talk to a commercial lender
Or email dcu@dcu.org or use our email page.

Visa^® Business Platinum

Print QuickApp for Visa Business Platinum
Fax completed application to 508.804.3620.

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If you would like further information please call one of the following Business Development Officers:

If you are in Massachusetts north of Route 2 in or New Hampshire call:

Paul Marasco at 800.328.8797 ext. 6637

If you are in Massachusetts south of Route 2 or in Rhode Island call:

Nigel Belgrave at 800.328.8797 ext. 9419

If you have any other questions please call the Commercial Loan Department:

800.328.8797 ext. 9188

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Printable Forms (PDF format)

We may require additional information in order to make the final decision.

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What You Can Expect

A commercial loan officer will contact you within one business day after we receive your application to discuss your request. DCU will attempt to make the decision on forms requested in this web site, however it is possible that additional information may be required.

Please visit our Business Applications and Forms page to access all of our QuickApps and business forms.

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Digital Federal Credit Union
220 Donald Lynch Boulevard
PO Box 9130
Marlborough, MA 01752-9130
508.263.6700 • 800.328.8797