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Business Term Loans

Grow your business without hurting your cash flow

Business expenses creep up. When you need to make purchases to grow your business, like inventory, equipment, or services, get the business financing you need to keep your operation running with a commercial loan from SFCU.


Competitive Rates

Better rates mean more money to spend growing your business. Get competitive rates compared to other financial institutions on your commercial loan from SFCU.


No Prepayment Penalties

Pay off your business loan on your terms without worrying about prepayment penalties.

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Flexible Terms

Business financing on your terms. Choose a loan term between 1 and 7 years to make a monthly payment that works for your budget.


Fixed Rates

It's easy to budget for a business term loan with fixed rates that don't change over the course of your loan.

Competitive Rates

Use your money to grow your business, not on high interest payments

When you get business financing from SFCU, you can feel confident knowing you're getting a competitive rate that's lower than many financial institutions. Save more money over the course of your term loan to use on growing your business.

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No Prepayment Penalties

Pay off your loan in a way that works for you

You shouldn't get punished for good behavior. That's why at SFCU, we never charge prepayment penalties if you decide to make extra payments on your small business term loan. Pay off your loan quicker to save more on interest.

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How it works

Speak with a Business Services Specialist

  • 1

    Complete an application

    Fill out an application and provide the required financials.

  • 2

    Get response

    We'll crunch the numbers and let you know if you're approved.

  • 3

    Use the funds

    Pay for products and services to grow your business.

Contact Our Commercial Loan Dept.


Have a question? Get in touch with us

Business Financing to Keep You Growing

Grow your business without impacting your cash flow. Get a business term loan from SFCU to secure the funding you need with low rates, flexible terms, and no prepayment penalties.

Effective 4/13/24 โ€“ Market St. branch will be temporarily closed on Saturdays due to construction (ATM still available). Our Oneida St branch will be open on Saturdays from 9am โ€“ 12pm.