Small Business Lending
Get up to $100,000 quickly for business expenses!
Does your business need access to capital fast? Unitus is here to help, we’ve created a streamline process, with competitive rates, no prepayment penalties, and quick processing times, to get the financing your business needs to help grow.
Business Loan Options
| Vehicle | Equipment | Term Loan | Credit Card | Line of Credit | |
|---|---|---|---|---|---|
| Best for: | Acquiring a car, truck, or specialized business vehicle. | Financing business equipment. | Expanding business or assisting in long-term needs. | Helping manage expenses and easier bookkeeping. | Providing short-term working capital. |
| Loan Amounts:* | Up to $100,000 | Up to $100,000 | Up to $100,000 | Up to $50,000 | Up to $100,000 |
| Maximum Loan to Value: | Up to 100%1 | Up to 75% | Dependent on collateral | X | X |
| Term: | Up to 72 months | 60 months | 60 months | X | X |
| Rate Type: | Fixed | Fixed | Fixed | Variable | Variable |
Vehicle
| Best for: | Acquiring a car, truck, or specialized business vehicle. |
|---|---|
| Loan Amounts:* | Up to $100,000 |
| Maximum Loan to Value: | Up to 100%1 |
| Term: | Up to 72 months |
| Rate Type: | Fixed |
Equipment
| Best for: | Financing business equipment. |
|---|---|
| Loan Amounts:* | Up to $100,000 |
| Maximum Loan to Value: | Up to 75% |
| Term: | 60 months |
| Rate Type: | Fixed |
Term Loan
| Best for: | Expanding business or assisting in long-term needs. |
|---|---|
| Loan Amounts:* | Up to $100,000 |
| Maximum Loan to Value: | Dependent on collateral |
| Term: | 60 months |
| Rate Type: | Fixed |
Credit Card
| Best for: | Helping manage expenses and easier bookkeeping. |
|---|---|
| Loan Amounts:* | Up to $50,000 |
| Maximum Loan to Value: | X |
| Term: | X |
| Rate Type: | Variable |
Line of Credit
| Best for: | Providing short-term working capital. |
|---|---|
| Loan Amounts:* | Up to $100,000 |
| Maximum Loan to Value: | X |
| Term: | X |
| Rate Type: | Variable |
How to Apply
Click the Get Started Button Below
Hear From a Business Lending Team Member
Complete an Online Application
Get a Decision in 48 Hours or Less2
Meet Our Director of Small Business Lending
Ivan brings 20 years of banking and business lending experience to Unitus small business lending. As the Director of Small Business, Ivan is responsible for the development and growth of Unitus’ small business lending segment. He and his team are here to talk about your business needs and identify the lending products that will work best for you.
In his free time, Ivan enjoys international travel, explore different cultures, spend time with family and attend various musical events.
Ivan Dominguez, Director – Small Business Lending
Yo hablo Español
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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 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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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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Unitus does not currently offer loans to start-up a business or purchase an existing business.
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Unitus does not currently offer loans to purchase new or existing businesses.
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Unitus does not currently offer SBA loans.
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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.
Need other solutions for your business?
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Business Equipment Leasing
Keep your equipment up-to-date and your cash flowing. We offer low monthly payments through our equipment leasing program provided by American Financial Partners.
- Up to 100% financing, including soft costs such as installation, freight, and training
- Low or no down payment
- Flexible lease terms and fixed payments
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Business Services
Running a business isn’t easy, that’s why we’ve partnered with Total Merchant Concepts to help you navigate obstacles and keep things running smoothly, including:
Merchant Services
- Month-to-month contract, wireless options for home-based or mobile businesses, and more!
Payroll Services
- Run payroll in just a few clicks, payroll and taxes done for you, and more!
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Business Account Options
Unitus has a variety of business account options available to provide your business with what they need to grow and succeed, including:
- Checking
- Savings/Money Market
- Certificates of Deposit (CDs)
- Individual Retirement Accounts (IRAs)
- Health Savings Accounts (HSA)
- Retirement
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