Support Topics
Business Services
Learn more about our business accounts, loans and services.
Popular Questions
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Businesses that meet the following criteria:
- Requires $100,000 or less in financing.
- One year or more of business operations and financial transactions.
- Business operations are located within the field of membership (OR and WA).
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The small business credit application will require information about:
- Primary applicant personal information
- Beneficial owners’ information
- Business name and information
- 12-months of business banking statements from your primary operating account that reflect a minimum of 10 transactions per month.
NOTE: Bank statements are provided by accessing your business accounts’ online banking through our secure portal, which allows statements to be automatically uploaded and analyzed within minutes.
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To apply for a business loan:
- Complete an online inquiry form to let us know about your business, loan type, and amount you are interested in.
- A Business Lending team member will touch base with you to discuss the loan options that will best fit your business needs.
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Unitus offers a Business Platinum Rewards Visa card with limits up to $25,000.
Learn more about our Business Platinum Rewards Visa
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Unitus finances a variety of vehicles, including passenger cars, light-duty trucks, SUVs, and specialized business vehicles like work vans and small box trucks.
NOTE: Some larger trucks and heavy equipment may require an equipment loan rather than a vehicle loan. Your business loan officer will assist in making sure you apply for the best loan to fit your needs.
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Unitus generally offers Commercial Real Estate loans for the following real estate types:
- Multi-Family
- Light Industrial/Warehouse
- Retail
- Office
- Self-Storage (temperature controlled only)
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In most cases, we simply rely on public records to verify your business. However, we may also request, as applicable, your Articles of Incorporation & By-Laws (corporation), Articles of Organization & Operating Agreement (LLC), Partnership Agreement (partnership), minutes signed by your secretary indicating the authorized signers (Non-Profit, Organization, or HOA), or resolution signed by business officers.
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Not at this time. Please visit a local Unitus branch.
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Maximum loan to value’s (LTV) up to 75%. Each loans LTV is determined based on a review of the specific deal criteria including the property, borrowers, and guarantors.
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Absolutely! For refinances simply apply and provide a current loan statement and a copy of the vehicle title or registration (if financed by another lender).
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Yes, the following vehicles are not eligible for financing:
- Vehicles older than ten calendar years.
- Gray market, salvaged, branded, or lemon law vehicles.
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Business credit cards are a helpful tool to track spending, earn rewards and even save money. The Unitus Business Platinum Rewards Visa will have a predetermined spending limit at a competitive interest rate.
Your business can utilize the credit card to pay bills, make purchases and track expenses monthly and you’ll earn rewards with every purchase.
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All applications will require the following financial documents to be provided for each entity associated with the commercial real estate loan request:
Business Documents
- 3-years of Business Tax Returns
- Year to Date Property and/or Business P&L
- Schedule of Business Debt
Personal Documents
- 3-years Personal Tax Returns
- Current Personal Financial Statement (PFS) for each owner
- Schedule of Real Estate Owned for each owner
NOTE: Additional documents pertaining to your application may be requested, including for the subject property during underwriting.
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Simply be located in one of our qualifying Oregon counties: Multnomah, Washington, Clackamas, Marion, Polk, Yamhill, Columbia, Hood River, Benton, Linn, Lane, Deschutes, Douglas, Josephine, or Jackson County; or in the State of Washington.
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You may access your Unitus Business Platinum Rewards Visa points directly through your Digital Banking. Simply Login, click ‘Accounts’, and go to the ‘View Card Rewards’ menu to view and use your accumulated rewards.
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Unitus does not currently offer loans to start-up a business or purchase an existing business.
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Simply call our contact center at 503-227-5571 or 1-800-452-0900 and we’ll send you a Business Membership Application form to update/revise owners and/or authorized signers. Additional proof of change such as an updated business registry with the state, or a resolution or meeting minutes, may be needed.
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From the time of application and receipt of all financial documentation, a decision is usually made within 5-15 business days. Unitus can typically close a commercial real estate loan within 60-75 days from receipt of a full application and financial package.
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You can transfer funds within your account, pay bills using online bill pay, and make payments to your business loan or line of credit.
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Yes. We can issue up to two free debit cards per business account.
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At this time, Unitus does not offer Business construction or land/property development loans.
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Unitus does not process payroll tax deposits for business accounts. However, we recommend you use EFTPS Online, a free service offered by the US Department of the Treasury.
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Unitus does not currently offer loans to purchase new or existing businesses.
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Unitus makes it easy to manage your card through Digital Banking and the Unitus mobile app. You may view transactions, pay your bill or monitor your account.
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At Unitus, your Business Platinum Rewards Visa provides access to benefits like:
- Competitive interest rates
- Rewards on every purchase
- Flexible spending limits per card
- Annual card fee waived the first year and can be waived each year thereafter with $2,500 in purchases per year, per card. Otherwise $25 fee per card.
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Unitus does not currently offer SBA loans.
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The loan term for commercial properties is typically five, seven or 10 years. The amortization period is usually 20 or 25 years. With 30-year amortizations being considered on some well positioned multi-family properties.
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At Unitus we understand that business needs change over time, we provide flexible options to allocate approved credit limits to additional cards as needed.
If your business requires an increase to their credit limit, submit an online inquiry form, and a Business Lending team member will reach out and walk you through the application process.
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Unitus offers many loan types to meet your business needs including:
- Vehicle Loans
- Specialized Business Vehicle Loans
- Equipment Loans
- Term Loans
- Lines of Credit
- Business Credit Cards
Submit an online inquiry form and a Business Lending team member will touch base with you to discuss the loan options that will best fit your business needs.
NOTE: If you are interested in Commercial Loans, visit our Commercial Lending page to learn about additional loan options.
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We can finance deals anywhere from $500,000 to $5 million and possibly more. If your project falls outside of this range, contact one of our Commercial Loan Officers to discuss options.
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