All UHCU branches will be closed on Monday, October 12, in observance of Columbus Day. Branches will be open for normal business hours on Tuesday, October 13.

Commercial Lending

Let us help with your future commercial real estate investment.

Commercial Real Estate Loans

At United Heritage, we strive to make the loan process for commercial real estate acquisitions, refinances or expansions easy and convenient. We have an experienced team capable of assessing various property types and delivering prompt service. As a local institution with roots going back to 1957, we don’t send your loan request to an anonymous credit committee in another city or state. All decisions are made locally, by knowledgeable staff that are familiar with and have insights into the Central Texas markets. So, whether you’re interested in multifamily, retail, office, medical or industrial property as an owner or investor, give us a call and let us work on a quote today. You’ll be glad you did.

View our Commercial Lending Program for loan details.

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Requirements & Deliverables:

All loan requests are subject to certain basic requirements, which are detailed below.

  • Subject real estate should reside in one of United Heritage’s membership counties or the Austin metro area.
  • Borrower must be a member of United Heritage prior to loan closing.
  • After origination, Borrower must submit periodic reporting documents to include income statements, balance sheets, tax returns and rent rolls. Specific reporting requirements and timelines are determined on a case-by-case basis.
  • All commercial loan requests require a commercial appraisal for the subject real estate.
  • All commercial loan requests above $500,000 require a Phase I Environmental Site Assessment.
  • All commercial loan requests require a Property Condition Report or Site Inspection depending on the age and size of the request.
  • Three years of real estate operating experience preferred.


In order to perform the financial analysis necessary to render a credit recommendation, United Heritage requires the following items for all commercial loan requests.

  • Purpose Statement (what proceeds will be used for, including detail on any cash-out transactions)
  • Signed/Certified Loan Application
  • Purchase Contract (for acquisitions)
For guarantor(s) or principal(s)
  • Signed/Certified Personal Tax Returns for three years (for all guarantors/principals)
  • Signed/Certified Current Personal Financial Statement (for all guarantors/principals)
  • Resumes (for all guarantors/principals)
  • Executed Business Organization Documents
    • Company Agreement
    • Certificate of Filing from Secretary of State
    • IRS EIN/TIN documents (if not available on tax return)
  • Signed/Certified Business Tax Returns for 3 years (for borrower)
  • Signed/Certified year-to-date Business Financial Statements (income statement and balance sheet)
  • Signed/Certified Business FYE Financial Statements for last 3 years (income statement and balance sheet)
Subject Property:
  • Signed/Certified Operating Statement(s) for 3 years
  • Signed/Certified year-to-date Operating Statement(s)
  • Rent Roll for 3 years
  • Year-to-date Rent Roll
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The above-mentioned items are subject to change depending on a number of factors including, but not limited to, type and structure of the proposed borrower(s) and guarantors, characteristics of the real estate, and market conditions.

Contact one of our commercial lending experts today.

Joshua Robles
Director of Commercial Lending

Hayden Schrimpf
Business Lending Coordinator

Lindsey Hyduk
Business Lending Operations Specialist

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