Skip to content

Business Loans

Access to financial support, guidance, and planning services are available to small business owners through the Small Business Administration (SBA) and the CARES Act with the help of your local credit union. The CARES Act includes resources such as the Paycheck Protection Program, Loan Forgiveness and Emergency Economic Injury Disaster Loan Grants to support small businesses (with fewer than 500 employees) through the current COVID-19 period of uncertainty.

As the SBA navigates an unprecedented economic disruption due to the Coronavirus outbreak, information is consistently being updated.

The Paycheck Protection Program would provide cash-flow assistance through 100% federally funded guaranteed loans to employers who maintain their payroll during this COVID-19 emergency.

  • This program is for any small business with less than 500 employees (including sole proprietorships, independent contractors and self-employed persons), private non-profit organizations or 501(c)(19) veterans organizations affected by coronavirus/COVID-19.
  • If all employees are kept on the payroll for eight weeks and the money is used for payroll, rent, mortgage interest, or utilities, the loans would be forgiven.
  • Benefits include the following: forgiveness of up to eight weeks of payroll based on employee retention and salary levels, no SBA fees and at least six months of deferral with maximum deferrals of up to a year.
  • Small businesses and other eligible entities are able to apply if they were harmed by the COVID-19 emergency between February 15, 2020 and June 20, 2020.
  • Loans are available through June 30, 2020. Lenders may begin processing loan applications as soon as April 3, 2020.
  • To learn more or apply, contact Ashley Chambers at [email protected].

If you wish to begin preparing your application, you can download a sample form to see the information that will be requested from you. A fact sheet with details of the CARES Act benefits, including FAQs on each program, can be found here.


Download Brochure

Whether your business is just getting off the ground or you're set for record growth, we have the flexible financing you need to get you there.

  • Competitive rates for businesses of all sizes:
    • Working capital
    • Equipment
    • Inventory
    • Facility improvements
    • And more!
  • Secured or unsecured options available
  • Repayment terms customized to fit your business's unique needs

Secure the right location and the right price with the help of Chief Financial. Whether you're buying, building, or refinancing, we offer competitive rates and budget-friendly repayment terms.

  • Customized commercial real estate loan solution
  • Cover a number of business real estate needs, including:
    • Purchases
    • Rental income properties
    • Business acquisition loans
    • Expansion loans
  • Refinancing options available
  • Flexible term options

Tap into your ready source of funds for any opportunity or challenge. Unlike a lump sum loan, a line of credit allows you to withdraw funds as needed without the need to reapply.

  • Capitalize on opportunities and cover unexpected expenses
  • Can be used to finance a wide range of seasonal or ongoing needs
  • Immediate access to funds when needed
  • Improve cash flow capabilities
  • No need to reapply to re-access funds
  • Use funds as needed instead of lump sum
  • Pay interest only on the amount you use

For everything from purchasing commercial real estate and equipment to working capital for your day-to-day expenses, rely on an SBA 7(a) to get it done.

  • Designed for the needs of small businesses* looking to:
    • Purchase an existing business
    • Acquire land or a building
    • Expand to another location
    • Buy equipment
  • Backed by the U.S. Small Business Administration (SBA)
  • Loan terms from 7 to 25 years
  • Competitive rates
  • Affordable payment plans
  • No prepayment penalties on loans less than 15 years in length

Unlike traditional loans that may require larger down payments or near-perfect credit, a government-backed 504 Loan may be ideal for your situation. 

  • Designed for the needs of small businesses* looking to:
    • Expand through land or building acquisition
    • Undergo construction
    • Acquire major equipment/machinery
  • Backed by the U.S. Small Business Administration (SBA)
  • Loan terms up to 30 years
  • Easy to apply
  • Competitive rates
  • Affordable payment plans