Business Loans

Loans to help businesses achieve goals.

Our Business Service Officers invest the time to learn about your business needs to find the financing that’s the best fit for your business.

Commercial Real Estate

Use a Commercial Real Estate loan to build, purchase, or refinance both owner occupied and non-owner occupied real estate for a variety of business properties including:

Office buildings and condos
Industrial buildings and warehouses
Hotels
Single-family residence and multi-family apartments

Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Membership required.

Secured and Unsecured Business Loans

Secured Loans

Secured by company assets – including vehicles, equipment, inventory, accounts receivable, shares, and share certificates
Can be for purchase, refinance, or collateralize for working capital

Unsecured Loans

Loan amount can be up to $100,000 based on approved credit
Variable terms

Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Membership required.

Business Line of Credit

A business line of credit is a great option if you need money quickly for unanticipated expenses as well as seasonal expenses.

Application with approval as quickly as 48 hours
Require short-term financing
Have seasonal financing needs
Allows your business to maintain even cash flow
Quick access to funds

Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Membership required.

SBA Loans

SBA loans are backed by the Federal Government and designed to help small businesses with financing when traditional financing options are limited. The program provides financing when there is limited or no collateral, limited management/ownership experience, limited equity or down payment, and for start-up businesses or for expansion loans.

There are two types of SBA Loans:

SBA 7(a)

The 7(a) loan program is the SBA’s most common loan program.

Visit the SBA 7(a) Loan page on sba.gov for:

Eligibility
Use of loan proceeds
Loan amounts, interest rates, and fees
Loan application checklist
Special types of 7(a) loans

SBA CDC/504

The SBA CDC/504 loan program is specially designed to help business owners to finance fixed major assets like heavy machinery and equipment and to finance buying or renovating buildings including ground-up construction.

Visit the SBA CDC/504 Loan page on sba.gov for:

Eligibility
Use of loan proceeds
Loan amounts, interest rates, and fees
Loan application process
Local Certified Development Companies
Final Rule and CDC/504 Guides

Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Membership required.