Business Loans

Local lending for
local businesses.

Money management tools for growing your business.

Expand your business with smart financing options.

From commercial vehicles to business credit cards and real estate loans, we offer straightforward financing for established businesses, backed by local service from people who know our community.

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Business Credit Cards

Do more with your Visa Platinum

This credit card for eligible members helps you save time by managing all business expenses, including staff expenditures, on one card with low rates and no annual fee.

  • Credit limits up to $25,000
  • 25-day grace period on purchases
  • Accepted at millions of worldwide locations
  • Subject to approval
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Commercial Real Estate Loans

Mortgage options for business

We offer real estate financing suited for owner-occupied or investment properties, with amortization up to 25 years.

  • Borrow up to $5 million
  • Use for apartment buildings (5+ units), office buildings, retail properties, hospitality properties, special purpose real estate, industrial properties, mixed-use projects or storage unit sites
  • Minimum down payment or equity of 25%
  • Minimum Debt Service Coverage Ratio (DSCR) - 1.25:1
  • Stabilized rents and supporting business cash flow required, along with satisfactory credit history

Learn About Business Account Options

Business Checking, Certificates, Money Market Accounts, and More!

Business Accounts

Please note the following when applying for a business loan with Sacramento Credit Union:

  • Business loans, including business credit cards, are processed using the business owner’s Social Security Number (SSN). We do not offer lending under a TIN or EIN.

  • Business auto loan rates include a 2% increase over our standard consumer rates. For example, if an auto loan rate is as low as 4.99% APR, the business rate would be 6.99% APR.

  • We require two years of business tax returns to evaluate a business loan application. Businesses that have been established for less than two years are not currently eligible for business lending.

Business Account Requirements

Required documentation varies depending on your business structure. If you have questions, please Contact Us.
Note: To complete verification, your business must be active and in good standing with the California Secretary of State.

Additional Details

Owners, partners, and key executives must provide taxpayer identification number for the business such as an Employer Identification Number (EIN), individual taxpayer identification number or Social Security Number (SSN) for Sole Proprietorships.

Certification Regarding Beneficial Owners: Each individual, if any, who owns, directly or indirectly, 25 percent or more of the equity interests of the legal entity customer. Beneficial Owners are to provide their name, address, date of birth and SSN.

Primary Identification: A State Driver's License/ID Card, Passport (US or Foreign), U.S. Military ID, Resident Alien ID Card/Green Card or Mexican Consulate ID is required.

Sacramento Credit Union reserves the right to refuse membership to business entities classified as “High-Risk” in accordance with the Bank Secrecy Act (BSA). These may include, but are not limited to:

  • Financial, investment or credit service providers (foreign currency exchange, investment/securities brokers, money order sales, off shore/non-US based businesses and import/export companies)
  • Regulated or illegal products (internet gambling providers and anything related to marijuana-related businesses)
  • Unfair, predatory or deceptive practices
  • Other high-risk products or services (travel agencies or other travel-related services, membership clubs and multi-level marketing programs)
  • Cash intensive businesses, such as restaurants and convenience stores, laundromats, private ATM or vending machine operators