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Small Business Loans
Provide your business with long-term, fixed-rate financing that your business can use however you see fit.
Business Visa Credit Cards
Choose the business credit card- Cash Back or Low Rate- that fits your spending and financial goals.
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Business Vehicles
Discover loan options for business autos, commercial vehicles, and equipment.
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Business Loans
Loans to help you grow your business, update your space, or invest in the tools you need.
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Business Loan Rates
View current rates for all our business loan and credit options so you can plan and manage your finances.
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Business Loan Application
Complete your business loan application to see what financing you qualify for.
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UCCU Credit Card Options
Check out our available cards to see which benefits matter most to you.
Explore ContentFunding to Build, Improve and Grow
A small business loan offers funding that you can use for many long-term business needs. Common uses include buying land, constructing new buildings, or renovating spaces you already own. These loans can also be used for updates such as improving utilities, repairing or expanding parking areas, and upgrading landscaping. Many businesses also use this type of loan to purchase long-lasting machinery or equipment needed for daily operations. Because the interest rate is fixed, your payment amount does not change over time. This helps you plan your budget and manage your expenses more predictably while you complete important projects.
Small business loans are also helpful when you need to make improvements that require more funding than your regular cash flow can support. With steady payments and set terms, you can take on larger projects without interrupting your daily operations. These loans can be used to update older systems, replace equipment, or make structural changes that support the way your business works. They can also help you expand your current space if you need more room for your customers, inventory, or employees. Whether your goal is to build, update, repair, or improve, a small business loan provides a reliable source of financing that you can direct toward the specific needs of your business.
Small business loans can also support your long-term financial planning. Instead of using short-term credit or dipping into your savings, a structured loan allows you to spread the cost of major improvements over time. This keeps more of your cash available for everyday expenses like payroll, supplies, or inventory. Having predictable payments also makes it easier to plan for future projects or unexpected needs. Whether you are preparing for growth or making your business more efficient, a small business loan gives you a clear path to move forward at a steady pace.
