For more than 60 years, E-Central Credit Union has supported the financial needs of individuals and businesses. As a local, independent financial institution, we are able to combine a vast network of resources with personal, one-on-one service.
Business Term Loans – When it comes to your business, “one size does not fit all.” We’ll structure a program that will give you the financing you need to grow your business. Our Business Term Loans can be used for supplies, equipment, building improvements and a variety of other needs.
Business Lines of Credit – A line of credit is ideal for cash flow needs, with ongoing borrowing power and a competitive variable rate. Secured and unsecured options are available.
Business Vehicle Loans – E-Central offers affordable financing for new or used vehicles. As a credit union, we are able to offer some of the best vehicle rates in town! We can even refinance loans from other financial institutions.
Commercial Real Estate Loans – When it’s time to move to a new location or add on to your current facility, you know exactly where to turn. E-Central has real estate loans to support your biggest plans, with terrific rates, flexible terms and low fees.
SBA Loans – By partnering with the Small Business Administration (SBA), we have access to government sponsored programs with flexible lending guidelines, favorable terms and extremely competitive rates.
- SBA 7(a) Loan Program – Proceeds may be used to establish a new business or to assist in the operation, acquisition or expansion of an existing business. With terms up to 10 years for equipment financing, and up to 25 years for real estate, you’ll be able to manage your cash flow more easily.·
- SBA 504 Real Estate Program – Proceeds must be used for fixed asset projects such as purchasing land, construction of new facilities, or renovating existing facilities. Terms up to 25 years.
For more information about our SBA program click here.
Download Business Loan Application PDF (2.8MB)