Put your plans into motion
Whether you are looking to purchase or refinance an investment property, turn to WCCU for the financing that is right for you.
Why choose WCCU? We offer:
- Up to 30 year terms, NO BALLOONS
- Affordable appraisals by local appraisers
- 80% LTV for refinancing and purchase
- 80% LTV for owner and non-owner occupied

Barry W. Dunn
Senior Business Development Officer
Office: 401.637.4436
Email: [email protected] (Please note email is not secure)

Shannon Melchione
Business Development Officer
FAQs
- No Application Fee
- Origination Fee - 1% of the loan amount (negotiable)
- Underwriting Fee - $650.00
- Environmental Fee dependent on the subject property – anywhere from $190 to $7,000+
- Title, appraisal, and attorney fees are based on loan characteristics and size
Average of 45 days, if non-SBA. If SBA, 90 days or greater.
As little as a 20% downpayment. However, some SBA programs only require a 10% downpayment if traditional financing is cannot be not granted.
Every application is different, dependent on the type of application and the purpose of the transaction. At least the last two (2) years of financials, appraisal, environmental reports, Personal Financial Statement (aka PFS), Debt Schedule(s), P&L Statements, and Balance sheets. Financials are required for entities with 20% or more ownership interest in the Borrower.
- Any business entity
- Multi-unit property (purchase or refinance) with over 4 units
- Mixed-use properties

Business Term Loans
Tap into a loan that delivers for your business.
Business Contact Form
Complete and Submit the Form below. You should receive a response within 24 business hours.
This is not a secure email - please do not provide account information.Helpful Resources

Business Checking Accounts
Choose an account that fits the way you do business.