Business Banking

Apply for a Business Loan

Gather a few documents and make one call. Here is exactly what our team needs to review your business loan, and the financing options you can choose from.

Call 253-591-6881 See the Checklist
Business owner using a laptop in her pottery studio
3 yrs
Tax Returns Needed
20%
Ownership Threshold
4
Financing Options
Local
Underwriting
What to Gather

Your Business Loan Document Checklist

For your business loan we will need the following financials. Have them ready before you call and your review moves faster.

Tax Information

  • 3 years of filed tax returns for all guarantors and owners with greater than 20% ownership
  • 3 years of filed tax returns for your business

Financial Statements

  • Most current year-to-date income statement and balance sheet
  • Personal financial statements for all guarantors and owners with greater than 20% ownership

Having these ready speeds up your review. If you are missing something, call us and we will walk you through it.

Choose Your Financing

Four Ways to Fund Your Business

At ACU we offer the following financing options. Tell us your goal and we will help you pick the right fit.

Business Line of Credit

Borrow only what you need, when you need it.

Explore business loans

Commercial Real Estate Loan

Commercial real estate loans provide the finances you need to continue growing.

Explore business loans

Construction Loan

Construction loans can provide financing from groundbreaking to building completion.

Explore business loans

Term Loans

Term loans can help you expand operations, purchase company vehicles, even upgrade office equipment.

Explore business loans
Why Apply With ACU

A Simpler Way to Get Funded

One clear checklist, one phone call, and a local team that makes the decision here.

One Phone Call to Start

Call 253-591-6881 and a local business lender begins your application with you.

Clear Document Checklist

You know exactly what to gather up front, so there are no surprises mid-application.

Four Financing Options

Lines of credit, commercial real estate, construction, and term loans to fit the goal.

Local Underwriting

Our team reviews and structures your loan locally, by people who know local business.

No Application Fees

Start your business loan application with no application fees.

SBA Loans Available

Need a government-backed option? ACU offers SBA loans of up to $5 million.

How to Apply

Three Steps to Your Business Loan

No online form to wrestle with. Gather your documents, make one call, and get a local decision.

1

Gather Your Documents

Collect three years of business and owner tax returns plus current financial statements.

2

Call 253-591-6881

Tell us how much you want to borrow and how you will use it.

3

Get a Local Decision

Our team underwrites and structures your loan locally.

★★★★★
“ACU's business team provides the kind of personalized service and local decision-making that you just can't find at the big banks. They understand our business and respond fast.”
Karen C.
KC Lodging Inc.
Common Questions

Business Loan Application FAQ

Answers to the questions business members ask most before they apply.

To start your business loan application, call America's Credit Union at 253-591-6881. Gather the documents on the checklist above first, then tell our team how much you want to borrow and how you will use it. Our team reviews and structures your loan locally.
You will need three years of filed tax returns for your business and for all guarantors and owners with greater than 20% ownership, the most current year-to-date income statement and balance sheet for your business, and personal financial statements for all guarantors and owners with greater than 20% ownership.
ACU offers four financing options: a Business Line of Credit for borrowing only what you need when you need it, Commercial Real Estate Loans, Construction Loans that finance from groundbreaking to building completion, and Term Loans for expanding operations, purchasing company vehicles, or upgrading equipment.
Yes. America's Credit Union offers SBA loans of up to $5 million. Visit the SBA Loans page or call 253-591-6881 to learn which SBA program fits your business.
Yes. ACU underwrites and structures business loans locally. Our team gets to know your business and makes lending decisions here, so you talk with people who understand local businesses rather than a distant call center.

Disclosures

All loans subject to credit approval. Required documentation may vary by loan type and amount; additional information may be requested. Membership required. America's Credit Union is a federally chartered credit union insured by the NCUA up to $250,000 per ownership category. NMLS #449181. Equal opportunity lender.

Ready to Apply? Let's Talk

Have your documents handy and give us a call. We will review your needs and structure the right loan.

Call 253-591-6881 See All Business Loans
Keep Exploring

More in Business Banking

Business Loans→ SBA Loans→ Business Accounts→ Business Services Team→