Financing to Grow Your Business
Commercial real estate, construction, term loans, and lines of credit, structured around how your business actually operates. Local underwriting, local decisions, no application fees.
Pick the Goal. We Structure the Loan.
Four ways to fund your next move, each built around how your business earns and spends. Start with the one that fits where you are headed.
Buying or Refinancing Property
Purchase or refinance an investment property with terms that fit.
See the loanBuilding or Expanding
Fund new construction or an addition from groundbreaking to completion.
See the loanGrowing Operations
Expand operations, buy equipment, or increase inventory.
See the loanManaging Cash Flow
Draw working capital when you need it and cover timing gaps.
See the loanBuy or Refinance Your Next Property
If you are looking to purchase or refinance an investment property, ACU's commercial real estate loans provide the financing you need to expand your business. We offer custom financing options to fit a variety of payment windows and loan sizes, so you can choose the right fit for your current needs.
- Purchase or refinance investment property
- Custom payment windows and loan sizes
- Competitive rates and flexible terms
- Local decision-making
From Groundbreaking to Completion
Whether you need new construction or an addition to your existing property, an ACU construction loan can provide the capital to get you from groundbreaking to completion. Competitive rates and interest-only payment options offer welcome flexibility during the construction phase, giving you greater control over your balance sheet. Once your building is finished, we can help with long-term financing and other services so you can continue to grow.
- Groundbreaking to completion financing
- Interest-only options during construction
- Greater control over your balance sheet
- Long-term financing available at completion
Fuel Your Next Stage of Growth
Whether you want to expand your operations, purchase office equipment, or increase inventory, an ACU business term loan provides the flexible financing you need to boost your business assets. We offer custom financing options to fit a variety of payment windows and loan sizes.
- Expand operations, equipment, or inventory
- Custom payment windows and loan sizes
- Predictable payments
- Flexible financing to fit your needs
Working Capital, Exactly When You Need It
Borrow only what you need, when you need it. A business line of credit gives you flexible access to working capital so you can cover gaps, seize opportunities, and manage cash flow on your terms.
- Draw only what you need
- Flexible access to working capital
- Cover seasonal or timing gaps
- Reusable as you repay
SBA Loans up to $5 Million
Beyond conventional lending, America's Credit Union offers SBA loans of up to $5 million for real estate, equipment, and working capital. And when you want everyday spending power with rewards, our business Visa credit card pairs a low fixed rate with cashback and local control.
A Lender That Works Like a Partner
Plenty of banks will lend you money. Fewer will structure the loan around your business and answer the phone when you call.
No Application Fees
Apply for any ACU business loan without paying to apply. No fee to explore your options.
No Prepayment Penalties
Pay your loan down or off early with no added charge and keep more control over your balance sheet.
Local Decision-Making
Your loan is underwritten and decided locally, so you get faster answers from people who know the market.
Custom Structures
Custom payment windows and loan sizes across real estate, construction, and term loans to fit your needs.
SBA Loans
ACU offers SBA financing of up to $5 million for real estate, equipment, and working capital.
Full Business Relationship
Pair your loan with business accounts, cash management, and a Visa card, all under one local relationship.
Three Steps to Your Business Loan
No online maze and no distant call center. A few clear steps and a local team that walks you through each one.
Call to Apply
Reach the business services team at 253-591-6881 to start your business loan application.
Gather Your Financials
We tell you exactly which tax returns and statements to bring. See the How to Apply page for the full checklist.
Get a Local Decision
Your loan is underwritten and decided locally, with terms structured to your business.
“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.”
Business Loan FAQ
Answers to the questions business members ask most about lending at America's Credit Union. In the 2025 Federal Reserve Small Business Credit Survey, credit union and bank applicants reported higher satisfaction than online lender applicants, and 60% of online-lender borrowers said actual borrowing costs came in higher than expected, versus 37% at small banks.
Disclosures
All loans subject to credit approval. Rates and terms vary by loan type, amount, and creditworthiness. 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.
Let's Structure the Right Loan
for Your Business
Talk with our local business services team. No application fees, no prepayment penalties, and a decision made close to home.