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Compare small business loans

California business owners and entrepreneurs need access to working capital to fuel business growth. Whether you are a local new Business or an existing business, trust the business loans experts at E-Central Credit Union for affordable financing and personalized service.

Flexible and Affordable Local Business Loans

The local lending experts at E-Central Credit Union in Pasadena, CA will advise you on the best small business loan for your California company. With a variety of credit union loan options, we help business owners:

  • Increase working capital
  • Access a revolving line of credit
  • Purchase or refinance equipment
  • Buy or refinance commercial real estate and vehicles 
  • Acquire or expand a CA business

Compare Our CA Business Loan Options

  Loan Purpose Loan Benefits

Business Term Loans

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Business expenses

Purchase equipment

Buy or refinance commercial real estate and business vehicles

Fixed rates

Flexible loan terms

Lower and longer payment periods offered vs short-term loans

Commercial Real Estate Loans

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Purchase building & vehicles

Property expansions and relocations

Fund renovations or improvements

Up to 90% via SBA 504 Loan Program

Flexible loan terms and competitive rates

SBA Loans

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Start, manage, grow or acquire a business

Increase working capital to manage cash flow

Purchase or refinance commercial real estate projects

Purchase equipment or inventory 

10% down payment for SBA 504

Up to 25-year terms for commercial real estate with SBA 7a

Up to 10-year terms for working capital, equipment and inventory

Equipment Loans

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Buy equipment or machinery

Purchase commercial vehicles

Buy computer software or hardware

Loan terms for expected life of equipment

Equipment is considered collateral

Working Capital Loans

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Increase cash flow

Fund marketing or hiring

Pay business expenses

Purchase equipment or inventory

Low rates and flexible terms

Quick access to funding


The E-Central Credit Union Loan Advantage

When you partner with the local credit union for small business, you’ll meet with a business lending expert who’s familiar with Southern California business conditions. We’ll work with you to get the best small business loan rates and a speedy turnaround on your business loan application. All lending decisions are made locally in Pasadena, CA, which helps streamline the business loan process, helping entrepreneurs access capital quickly and easily. 

As an approved SBA lender, we work together with the U.S. Small Business Administration to help find the right government backed loan to help you grow your business. No matter which Business Loan you choose, rest assured that our local business lending experts will be available at each step of the business loan process to answer questions.

Apply for a Business Loan from E-Central Credit Union

Ready to finance your California business? To get started, simply fill out our form and we’ll connect you with a CA business lending expert who will partner with you to determine the best credit union business loan for your company. Or simply visit our Pasadena branch today.

Everything, everywhere

E-Central Credit Union is a leading credit union located in Pasadena, California, serving Southern California members throughout Los Angeles County including Pasadena, South Pasadena, Alhambra, San Marino, Arcadia, Sierra Madre, Altadena, Temple City, Monrovia and beyond.