Business Loans

We have a range of business loans to help meet your financing needs.

Business Vehicle Loans

  • For automobiles, SUVs, vans, and commercial vehicles
  • Loans up to $100,000
  • Financing up to 100% for new and used vehicles
  • Competitive loan rates and terms
  • Free vehicle buying service in our branches, or by phone
  • No application fee

Business Term Loans

  • For equipment purchases or working capital
  • Loans up to $250,000
  • Financing up to 100% for loans up to $100,000, and 80% for loans above $100,000
  • Terms up to 60 months for loans up to $100,000, and 84 months for loans above $100,000
  • Competitive loan rates and terms
  • No application fee

Business Line of Credit

  • For short-term working capital
  • Lines up to $100,000
  • Unsecured or secured by existing business assets
  • Revolving line with annual renewals
  • Competitive variable interest rate
  • No application fee

Commercial Real Estate

  • To finance the purchase or refinance of apartments (5 or more units), office, retail, and industrial properties
  • Loans up to $5 million
  • Up to 80% loan-to-value (LTV) for owner-occupied properties
  • Up to 75% LTV for investor properties
  • Competitive rates and terms
  • No prepayment penalty

Business Visa Credit Card

  • Lines of credit up to $50,000
  • Low rates
  • Worldwide purchasing power
  • Rewards points card available for travel and merchandise
  • Free online e-statements
  • Year-end summary statement provided with annual spending category, such as Travel & Entertainment, Merchandise, and Restaurants
  • No application fee


  • Local decision-making and approvals
  • Business lending officer with 37 years of business lending experience
  • Competitive rates and terms
  • Personalized service
  • You are a “member” and not a “number”
  • Loans with NO prepayment penalties, including commercial real estate loans

Note: All loans, lines and credit cards are subject to credit approval and program guidelines. Financing maximums and terms are based on borrower qualifications, use of loan proceeds, and type of collateral.

For details about our business loans, including financing options and loan terms, call (877) MY LAFCU (695-2328), ext.6349, or email