You Believe In Your Business -
We Believe In You.

Are you ready to expand your small business? Could you use some cash for day-to-da operations? Do you dream of starting or buying a business of your own? If so, Certified Federal Credit Union can help.

We offer SBA loans, one of the best financing tools available for small business owners. A small business loan can provide working capital for daily business needs, and solid foundation for future growth. Certified FCU offers Business Lines of Credit.

In addition to arranging the details of a business loan for you, we offer personal service and support to give your business a competitive edge. After all, as your credit union, we are here to help you succeed.

What is and SBA Loan?

A Small Business Administration (SBA) loan is backed by the government, making it possible to offer long-term financing.

What can these loan be used for?

Generally, as SBA loan can be used to establish a new business or to assist in the operation, acquisition or expansion of an existing business.

This may include:

• Purchasing land or buildings with 10% down
• Acquiring furniture, fixtures, machinery and equipment
• Working capital or financing inventory
• Construction or renovation projects
• financing business acquisitions.

What are the requirements to qualify for a loan?

• Most business are eligible determined by three factors: the type of business, the size of the business and the use of the business.
• Repayment ability is a primary consideration is the SBA loan decision process but good character, management capability, collateral, and owner's equity contribution are also important considerations.

What are the Advantages of SBA Loans?

• An SBA loan offers a longer term than other forms of financing, which results in lower payments.
• You may not need a large down payment, and by working with Certified FCU you will also enjoy competitive rates and professional, personal service.
  

For more details of SBA loans, contact Certified FCU at (800) 228.3701 ext. 129 or 137. You can also reach one of our customer service representatives at info@certifiedfcu.org