Business Lending
CCU Business Services offers access to financing when it's needed the most. We offer several loan options, providing you the funds you need, whether you are increasing inventory, buying new equipment, or acquiring/refinancing new property.
Unsecured Line of Credit
- Revolving line of credit
- Use to finance short-term fluctuations in working capital requirements
- Take an advance up to the credit limit, repay, and borrow again as needed
Secured Line of Credit
- Use to finance short-term fluctuations in working capital requirements
- Loan is secured by the assets of the business
Installment (Term) Loans
- Terms of one to seven years
- Designed with fixed payment schedules to fit your business needs
- Appropriate for long-term capital requirements such as machinery, equipment, and vehicles
Commercial Mortgage Loans
- Can be used to purchase, refinance, or refurbish owner-occupied property
- Financing for non-owner-occupied and investment property is also offered
Business Visa® Credit Card
- Immediate access to available credit
- No annual fees with basic card
- 25-day grace period on all purchases
- Travel assistance services
- Fraud detection service and free purchase security protection
- Optional enrollment in the Business Cash Rewards Program
Please refer to the Business Credit Card Disclosures for additional important information.
Optional Business Cash Rewards Program
- Receive 1% cash back on all of your purchases
- Cash Rewards are earned and automatically deposited into your Share Savings every January
- Earn up to $5,000 cash annually with your Rewards
- The low annual Cash Rewards Program fee of $50 is waived the first year
Small Business Administration (SBA) Loans
These loans are for the purpose of starting a new business, buying an existing business, or obtaining a loan that is outside normal lending guidelines due to a lack of collateral, the specialized nature of the business, or inadequate historic cash flow to support repayment of the loan. These businesses can improve their borrowing power by having the SBA guarantee the loan.
Loan approval is subject to lending guidelines and credit qualifications.
