Loans & Leasing

At Valley, we have the business financing solutions you need to succeed. Our seasoned loan specialists will work with you every step of the way to make sure you are getting what you need to address your financial objectives. As always, you can depend on us for customized financing solutions with the personalized service Valley has provided since 1927.


More Info & Help

With a Valley commercial mortgage you can expect competitive rates, flexible terms and the personalized customer service Valley has been renowned for since 1927. Our seasoned Commercial Mortgage Officers will walk you through every step of the borrowing process to ensure that you are getting the financing option that is right for you. Whether you need to purchase or refinance commercial property, Valley has the perfect financing solution for you.

Valley National Bank is both a relationship and portfolio lender. We originate, underwrite and service our own commercial mortgages, contrary to Wall-Street banks which originate loans for securitization. We are here to provide personal and professional attention to your changing needs over time.

Drawing on over 75 years of superb experience in the local real estate market, we will strive to help you maximize returns on every investment opportunity, residential tract development project, built-to-order single-tenant property, re-positioning of an investment property, a 1031 like-kind exchange, single property or portfolio acquisition, or a simple refinancing transaction.

Customized Permanent Loans

  • Term financing for stabilized properties (retail, office, industrial, self-storage, multi-family, hospitality or mixed-use) (Learn More)
  • Typical terms
    • Fixed rate loans with 5-, 7- or 10-year full-amortization
    • Floating rate loans with 5-, 7- or 10-year adjustable rate with amortization term up to 25 years and automatic rate reset based on stated index and margin

Construction or Major Rehabilitation Loans

  • Revolving, non-revolving or bridge loan financing tailored to your project development plan (Learn More)
  • Typical terms: floating rate loan based on Valley National Bank Prime Rate or LIBOR; interest-only loan payable monthly based on amount drawn from pre-authorized commitment

Construction-Permanent Loans

  • A hybrid loan including a construction loan commitment and a conversion option to a permanent loan upon completion and lease up of a development project (Learn More)
  • Typical terms - construction loan term and permanent loan term similar to above; principal amortization commences after property lease up and conversion to permanent loan.

Wayne, New Jersey
1455 Valley Road, Wayne, NJ 07470
Tel: 1-973-305-8800 ext. 4013

Little Silver, New Jersey
140 Markham Place, NJ 07739
Tel: 1-732-842-7710 ext. 265

New York, New York
924 Broadway, New York, NY 10010
Tel: 1-212-253-3050

New York, New York
780 3rd Avenue, New York, NY 10017
Tel: 1-212-376-4340

Jericho, New York
2 Jericho Plaza, Jericho, NY 11753
Tel: 1-516-495-5117