We're experts in association financing 


Each community association is unique and deserves a financing program designed to meet those unique needs. From financing repairs and improvements to refinancing existing debt, Valley makes lending simple, whether you're an HOA, Condo association or Co-op association.

Take advantage of flexible financing solutions with competitive interest rates that are customized to address your most critical needs on your terms. And we lend against receivables, not assets, making it easier than ever for you to get the funding you need.

  • We offer Non-Revolving Lines of Credit and Term Loans

  • Fixed and floating rates available

  • No personal guarantees are required

  • No liens are placed on owner units

  • You work with lenders who are experts in association lending

  • Insurance Premium Financing available

  • We lend in Florida, New York, New Jersey, and Alabama


HOA Loans


Valley's Association Financing

We provide financing for:

  • Condominiums

  • Homeowners Associations

  • Cooperative Associations

We help with:

  • Repairs and Improvements

  • Refinancing existing debt

  • Insurance Premium financing


Frequently asked questions about HOA financing

  • How quickly can I get a loan?

    Once you’ve completed your application, our typical turnaround time to approve the loan is about two weeks, but we’ve also approved loans in as little as 2 days.

    We work with your schedule to make sure you get your loan when you need it.

  • Can I talk to an expert?

    You’ll work directly with one of our HOA Lending Specialists who will provide a solution customized to you. They have deep expertise in working with HOAs - you can trust you'll be in good hands.

  • Do you offer loans nationwide?

    At this time, we are only able to offer association loans within our footprint states of New Jersey, New York, Florida, and Alabama.

  • What can I get a loan for?

    We've financed over 500 loans, each unique to their association.

    Projects we’ve funded include road work, landscaping upgrades, concrete restoration, new guardhouses, and a lot more.

    Get in touch with us to see how we can work with you.

  • Do you offer rate bundling?

    If you decide to take advantage of one of our deposit products, you can then also take advantage of our rate bundling offer – for more competitive interest rates.

  • What do I need to get a loan for my HOA?

    Your HOA Lending Specialist will walk you through the whole process, but if you'd like to prepare, here are some of the items and information you’ll need:

    1. Two years financial statements (balance sheet & income statement) – past 2 fiscal years 

    2. Current year financial statement.

    3. Current year operating budget.

    4. Accounts Receivable or Delinquency Report.

    5. Declaration of Condominium Document.

    6. Articles of Incorporation for the Association.

    7. Minutes from the board meeting where the loan request was discussed and approved by the board, when available.

    8. Certificate of Insurance.


    Not sure you have everything on the list? Don't worry, simply get in touch with us and we can help you find what you need.

  • How do I get in touch?

    Fill out the form below and one of our HOA Lending Specialists will reach out to discuss how we can meet your needs.


See what we can do for you? Get in touch today

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