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Real Estate & Construction Loans

Ready to build your real estate portfolio?

Get a commercial real estate loan that's built to spec. When it's time to grow or expand your real estate portfolio by acquiring additional investment properties or even developing new projects, Kearny Bank can fast-track approvals on a competitive commercial real estate loan. Our expert commercial lenders are here to guide you every step of the way.

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Kearny Bank’s Business Lending Team Has Your Short- and Long-Term Needs Covered

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Commercial Real Estate Loans

Finance the purchase of retail, mixed‐use, commercial, office, industrial, and warehouse property.

  • Highly competitive fixed or floating interest rates available

  • Amortization periods available for up to 25 years

  • Loans are secured by the real estate being financed 

  • Experienced Commercial Real Estate Specialist to contact and handle all details

Multi-Family Real Estate Loans

Navigate the complexities of renovating or constructing income-producing properties.

  • Competitive rate offerings

  • Fast‐tracked approvals

  • Available 3-, 5-, or 7-year fixed rate terms

  • Amortization periods available up to 30 years

  • Full & non-recourse loans available

  • Direct interaction with CRE specialists in the New Jersey and New York City multi‐family market

Construction Loans

Financing solutions designed to make commercial construction projects successful.

  • Commercial Construction Loan expertise across Kearny Bank's market area

  • Competitive pricing

  • Construction mini-perm options


Ready to Fund Your Next Project?

For complete details, contact us today at 800-273-3406.

Commercial Construction Loan FAQs

A commercial construction loan is a short-term financing option specifically designed for building commercial properties, such as multifamily residential buildings, , mixed-use properties, warehouses & industrial properties. Kearny Bank offers competitive rates and fast-track approvals to help you complete your project on time and on budget.

A commercial construction loan is a short-term loan used to finance the construction of commercial properties, such as multifamily, retail, mixed-use, warehouses, and industrial buildings. The loan is typically disbursed in stages, based on the progress of the project, and is repaid at construction completion upon refinancing. During the construction phase, you’ll typically only pay interest on the funds you’ve used, and once the project is finished, the loan is either paid off or converted into a permanent loan.

A commercial construction loan can be used to finance the construction or renovation of various commercial properties, including multifamily buildings, mixed-use developments, retail centers, industrial and warehouse properties. Whether you are building new projects or upgrading existing properties, Kearny Bank offers flexible loan options to support your vision.

A construction loan is used for building or commercial properties, whereas a commercial real estate loan is used for purchasing or refinancing existing commercial properties. Essentially, a construction loan provides the funds needed to develop or upgrade a property, while a commercial real estate loan is focused on acquiring or refinancing properties that are already completed.

Yes, Kearny Bank has extensive experience in financing multi-family construction projects. Our commercial construction lenders are well-versed in the complexities of multi-family developments, offering fast-track approvals and competitive terms to help bring your project to life, whether it’s for residential or mixed-use buildings.

To apply for a real estate or construction loan, you can start filling out the form below. Our commercial construction lenders will guide you through the process, help you explore the best financing options, and answer any questions you may have to ensure your project is funded smoothly.

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