Business Lending
Market-best business loans
Whether financing a building, funding an expansion, building inventory, or managing cash flow, Jovia offers a full array of business loans that help you meet your goals. We specialize in Commercial Real Estate Financing, Term Loans, Lines of Credit and SBA Loans. We work with you one-on-one to assess your needs and structure the best financing deal for your bottom line.
Jovia custom fits solutions to your business and is always at below-market rates and fees.
Commercial Real Estate Financing
We have the products, rates and specialized expertise to help you invest and own the right commercial space for your business.
Term Loans
Flexible, affordable and quick to close, term loans can be used for any down-the-road expenses.
Business Line of Credit
The cash you need at convenient terms to meet short-term needs with ease and flexibility.
Meet our Team
Our team is here to help your business succeed. We work with you one-on-one to assess your needs and structure the best financing deal for your bottom line. Connect with us to get started.
Andrew Saluk
Andrew Saluk
With over 30 years of experience in commercial lending, Andrew Saluk has been a key player at Jovia Financial Credit Union since 2011. Starting as a commercial broker and working through various regional institutions, Andrew now focuses on Commercial Real Estate Lending at Jovia. He has successfully closed over $1 billion in loans for diverse property types, from owner-occupied buildings to complex construction projects.
Andrew’s approach centers on understanding each borrower’s unique needs and crafting tailored loan solutions. His expertise, combined with Jovia’s flexible products and competitive rates, has helped grow our Business Lending department and establish Jovia as a leading lender in the local market.
For expert guidance and innovative lending solutions, connect with Andrew Saluk and explore how Jovia can support your financial goals.
Jonathan Villalobos
Jonathan Villalobos
Jonathan Villalobos joined Jovia Financial Credit Union in 2023. He began his career as a Member Service Representative, supporting consumer banking members, and expanded his role in 2025 as a Business Lending Sales Assistant. This experience has given Jonathan a well rounded perspective that allows him to effectively assist both consumer and business members.
Jonathan supports business members with a variety of lending solutions, including business credit cards, business overdraft lines of credit, small business loans, commercial real estate loans, and business deposit account openings. He is committed to continued professional growth and building lasting relationships with the members he serves.
Jonathan is available to assist business members on Wednesdays and Thursdays. Connect with Jonathan and discover how Jovia can support your business lending needs.