Business Loans | Heritage Family Credit Union

QUICK ACCESS TO CASH

Obtain cash on hand when you need it, to cover day-to-day operational expenses, fund marketing initiatives, seize growth opportunities.

NO NEED TO REAPPLY

Applying for multiple loans on one application offers time efficiency, flexibility in managing unexpected expenses, consistent cash flow, enhanced financial planning, and more.

FAST FUNDING

Funds can be available fast so you can capitalize on opportunities and gains in competitive advantage instead of the stresses of financial uncertainty.

TAILORED FINANCIAL SOLUTIONS

Offering flexible terms, rates and payments to meet individualized needs. Aids navigating market shifts, seizing opportunities, and managing costs adeptly.

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Operating Line of Credit

Provides ongoing access to funds for operational needs as they arise.
Helps maintain steady cash flow to cover expenses and seize opportunities.
Fuel business growth with flexible funds for day-to-day operations and expansion.
Ideal for businesses with seasonal fluctuations in cash flow.
Interest is charged only on the funds used.
Repay and reuse the credit line as needed.
Credit limits and terms are tailored to individual businesses' financial needs and performance.

Apply for an Operating Line of credit

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Overdraft Line of Credit

An overdraft line of credit safeguards your business from cash flow gaps ensures timely payments, and offers stability during uncertainties directly connected to your business checking account.

Provides a flexible credit cushion for covering unexpected shortfalls.
It helps your business avoid overdraft fees.
Prevents declined transactions and potential embarrassment.
Know you have the funds to cover insufficient balances the moment they occur.
Seamless integration with your checking account for ease of use.

Learn more about overdraft Protection
email Business Services call 802.747.2337

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Real Estate & Construction loans

Whether aiming to broaden your business through multi-family property investments or expand through renovations and new construction, our committed team assists at every phase.

A comprehensive range of services tailored to meet your business's unique needs
Caters to both commercial enterprises and small businesses
Localized decision-making

apply for a Real Estate Loan apply for a Construction Loan

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Vehicle and Equipment Loans

We offer competitive loan rates, flexible collateral options, and other financing solutions to help make the vehicles, machinery, and equipment your business needs more affordable.

Need a mix of vehicles, machinery, and equipment? Apply for multiple loans and a combination of products on one application.

Apply for a business loan

Ready to Apply?

We're here to help you with your business loan application every step of the way! Review what to expect in the application process, review the documents needed, and upload the required documents directly to the Business Services department.

Review the Application Process

Did You Know?

In order to borrow from HFCU, your business will need to become a member/shareholder.

To become a shareholder, your business must meet eligibility requirements and open a Business Primary Share with a $25 initial deposit into the account, which serves as a member's share in the Credit Union.

Learn more about Business eligibility Learn more about member fees Apply to become a business member

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Meet the Business Lenders

Empowering innovation, economy, and community financial success through providing personalized assistance.

Prompt decisions from experienced, knowledgeable, local professionals
Expert customized guidance and service
Access to key decision-makers, including Executive Management
Reliable, adept, cooperative financial partner

Connect with a Business LENDER today

Business Loans & Line of Credit