Financing That Fits: Finding the Right Loan for Your Small Business

(3 Minute Read) —  What’s standing between your business and its next big step? The right financing can help you overcome obstacles and give you the flexibility to grow with confidence. Explore these small business loan options at Unitus Community Credit Union to discover what works best for you.

Vehicle Loan: Keep your business moving.

A new vehicle can make daily operations easier and empower you to reach more customers. Whether it’s a standard car, light-duty truck, or work van, a vehicle loan enables you to get ahead—while managing your cash flow responsibly.

Unitus Vehicle Loan Info:

• Loan Amount: Up to $100,000^*
• Maximum Loan to Value (LTV): 100% for standard vehicles, 80% for specialized business vehicles
• Term: Up to 72 months
• Rate: Fixed

The right vehicle can drive your business toward new opportunities.

Equipment Loan: Power up your productivity.

Upgrading your business tools doesn’t just keep things running. It can make your whole operation more efficient. An equipment loan helps you get what you need—from machinery to technology—while preserving your working capital.

Unitus Equipment Loan Info:

• Loan Amount: Up to $100,000^*
• Maximum LTV: Up to 75%
• Term: 60 months
• Rate: Fixed

Get the tools you need to work smarter, not harder.

Term Loan: Unlock your potential

Looking to expand, make a major purchase, or tackle a long-term project? A term loan provides a lump sum with predictable, fixed payments, giving you the financial certainty to plan ahead, manage cash flow, and pursue opportunities.

Unitus Term Loan Info:

• Loan Amount: Up to $100,000^*
• Maximum LTV: Dependent on collateral
• Term: 60 months
• Rate: Fixed

Turn your big ideas into real results.

Line of Credit: Stay flexible.

Sometimes you need a little breathing room. A business line of credit provides short-term working capital when you need it—for seasonal expenses, inventory, payroll, or unexpected costs. It’s both a safety net and a flexible funding tool.

Unitus Business Line of Credit Info:

• Loan Amount: Up to $100,000^*
• Rate: Variable
• Borrow what you need; repay as cash flow allows

Be ready for whatever comes your way.

Business Credit Card: Simplify spending and earn rewards.

A business credit card helps you keep operations running smoothly while getting more value from every transaction. Separate personal and business costs, track purchases easily, shop securely—and earn rewards at the same time.

Unitus Business Platinum Rewards Visa® Info:

• Earn rewards points on every purchase—redeemable for cash, gift cards, and more.
• Manage your account and payments online or through the mobile app.
• Get the first-year annual fee waived.

Organize your spending, protect your funds, and earn rewards every day.

Ready to Grow Your Business with Unitus?

1. Visit our Small Business Lending page and click Get Started.
2. Chat with one of our Business Lending team members.
3. Complete an online application in about 15 minutes.
4. Get a quick decision—usually within two business days.

No matter your business goals, Unitus can help you find financing that fits your needs and your budget. Learn more about your options with Unitus.

^*All loans are subject to credit approval and underwriting standards. Individual rate, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications and discounts. Refer to your account disclosures for additional costs, terms and conditions.