Business Lending

We understand that every business is unique, and for that very reason we offer flexible and affordable options to fit each business owner’s personal needs. We believe in saying “yes” to lending locally! EFCU is an SBA and USDA approved lender.

Whether you’re starting your business from scratch, ready for growth or well established, we offer loans to help you reach your specific goals.

  • Commercial Real Estate Loans
    We have you covered when it comes to lending for commercial or income real estate. Whether you’re looking to buy, build or invest, we offer loans with flexible terms and competitive rates on owner-occupied, investment and retail properties as well as construction of commercial use properties.
  • Equipment Loans
    Equipment and vehicles are the lifeblood of businesses. We offer financing on the purchase of business-related equipment and machinery, from commercial appliances to fleet vehicles. Financing equipment allows you to maintain an efficient cash flow and maximize the use of your liquid assets.
  • Business Lines of Credit
    Running an effective business takes proper funding and cash flow can sometimes be unpredictable or seasonal. Ensure your business has what it needs to operate fully by attaching a line of credit to your EFCU Business Checking Account. Secured and unsecured options are available.

For added convenience, you can make all your business loan payments within Online Banking by simply making a transfer from your EFCU Checking or Savings Account to your loan.

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