Commercial Real Estate Lending

If you seek a banking partner who understands your needs and the complexities of real estate markets, call us today for courteous and personal service. Carver offers financing for:

  • Multifamily Residences [5 units and above]
  • Mixed-use Properties

How to apply for a loan
For more information or up-to-the-minute rate assistance, please contact our loan hotline at (718) 230-2900, visit your nearest branch or contact us online at

Business Lending

Do you need help financing office space, securing equipment or just growing your business? We offer an array of products enhanced by customized solutions tailored to your individual cash flow needs.

As a renowned community bank, we understand your small business needs. Check our our Bank Local page to share in the stories from: Melba Wilson, Owner, Melba's Restaurant; Anthony Dickey, Owner, Hair Rules; Reverend Isaiah Owens, Owner, Owens Funeral Service, who motivate us to keep working toward our goal of creating economic opportunity for all. See how our financial services can work for you and how your deposits can work for the community. We reinvest more than 80 cents of every dollar on deposit back into local businesses, jobs, and development.

Get to know Carver's Business Lending Products:

Business Line of Credit

* Working Capital
* Receivable Financing
* Seasonal Businesses

Business Term Loan

* Equipment Purchases
* Permanent Working Capital
* Leasehold Improvements
* Expansion

Business Mortgage

* Owner-occupied Building
* Business Acquisition
* SBA (504)

How to apply for a loan
For more information or up-to-the-minute rate assistance, please contact our loan hotline at (718) 230-2900, visit your nearest branch or contact us online at

Download Business Application

Nonprofit and Faith-based Loans

"How far you go in life depends on your being tender with the young, compassionate with the aged, sympathetic with the striving and tolerant of the weak and the strong — because someday you will have been all of these." —George Washington Carver (1864–1943)

Carver is at the forefront in providing financial services to faith-based institutions, nonprofit organizations and foundations, and is committed to meeting the banking needs of the communities in which it operates. Carver's commitment to the financial success of the community is evidenced by the fact that over 80% of Carver's deposits are invested in the neighborhoods it serves. Furthermore, Carver has been designated as a Community Development Financial Institution (CDFI) because of our community -focused banking services and our dedication to the economic viability and revitalization of underserved neighborhoods. Because Carver is a community bank, it is uniquely positioned to provide nonprofit organizations with the products and services they need to fulfill their missions in the community.

Nonprofit Financing

At Carver, we proudly specialize in faith-based and nonprofit lending. We offer an array of products, including financing for working capital support, expansion, purchases and refinancing existing debt. We are a direct lending institution that provides term loans at highly competitive interest rates. Carver partners closely with each faith-based organization or nonprofit to fully understand its objectives and financial capabilities in order to create flexible financing structures to fit any particular need.

Short-term Financing

Short term financing for 501(c)(3) organizations to support the receipt of government grants and contract receivables. Terms of 30 days to 6 months.

Revolving Working Capital

Operating lines of credit designed to help meet your organization's short-term or seasonal cash needs. Support delays in funding cycle. The interest rate is variable and interest on amounts drawn is payable on a monthly basis.

Term Loans

Installment loans for the purchase of furniture, fixtures, equipment and the financing of leasehold improvements. You repay the loan within a period of one to five years with a fixed or variable rate, depending on the terms and agreement of your loan.

Commercial Mortgages

For the acquisition, construction or renovation of church property, including parsonages and income-producing properties. This product can also be used to refinance higher interest rate debt.

Competitive, fixed and adjustable rates

  • Amortized up to 30 years with varying maturities
  • Flexible approach to your needs, not "one- size- fits- all"
  • Quick turnaround on applications

How to apply for a loan
To apply for a loan, simply complete a loan application with one of our loan officers or print one and bring it with you along with your income information. To set up an appointment with one of our loan officers, just give us a call at (718) 230-2900, visit the nearest Carver branch or contact us online at

To learn more about the various ways in which Carver supports the community, please visit our Why Carver section.

Banking for Military Customers

At Carver Federal Savings Bank, we recognize and appreciate our Servicemembers, and are committed to supporting our military personnel. If you have a loan with Carver and are on active duty, and need assistance with any account-related matters, please contact us at 1-855-217-3373 to learn more about the protections and benefits that the Servicemembers' Civil Relief Act and the Military Lending Act provides for you and your family.

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