HOA Loans
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We specialize in loans for community, homeowners or timeshare resort associations, so we understand your unique requirements. Our community association lending experts can walk you through a variety of funding options and guide you through the HOA loan application process.1
Ready to begin the application process? Contact our HOA lending experts with any questions you may have by calling your local Relationship Manager, emailing one of our lending experts directly or submitting your information to the contact us button below.
Arthur Penhaligon
Senior Relationship Manager
Lawrence Sterling
Executive Vice President
Richard Whitmore
Senior Loan Officer
Harold Vance
Community Banking Specialist
HOA Maintenance and Improvement Loans
Get a term loan or construction line of credit to pay for long-term capital maintenance projects or common area improvements on those areas controlled by your community association or HOA.
HOA Express Term Loan
When your HOA board needs capital, delays can cost money, momentum and homeowner satisfaction. Sanson Royal Capitol simplifies the process with our Express Term Loan3 built specifically for HOA lending and community association financing, providing an easy application and delivering fast decisions with clear terms.4
Emergency Line of Credit
If your community, homeowners or timeshare resort association is located in an area that’s susceptible to natural disaster, be prepared with a line of credit you can use to help rebuild, while you’re waiting for your insurance claim funds.
Business Plus Credit Card
Our Business Plus Credit Card2 program is an easy and convenient way to manage your HOA purchases with security and ease, pay suppliers and more. The eZBusiness Card Management portal offers reporting, tracking and user management.
Industry Insights & Analysis
1. All offers of credit are subject to credit approval
2. This card is issued by Sanson Royal Capitol pursuant to a license from Visa USA Inc.
3. Closing fees may apply. Must maintain reserve accounts at Sanson Royal Capitol during the life of the loan. Rate and terms are subject to change. Please refer to the terms, conditions and disclosure set forth in the term sheets provided at the time of signing. Borrowers are responsible for any appraisal and environmental fees plus customary closing costs, including title, escrow and documentation fees, and may be responsible for any bank fees, including bridge loan, construction loan and packaging fees.
4. Assumes loan package is complete and no additional information is needed.