Important! Email transmission is not a secure form of communication. Please do not include any account numbers, social security numbers, or password information in your message.

I understand Cancel
Man smiling

Business Loans

Tell us your goals. Together, we’ll find a solution to help you achieve them.

Learn More

Stronger Businesses Create Stronger Communities.

That’s why we work closely with local businesses like yours. Whether you’re opening your doors for the first time or investing in your next opportunity, we’ve got financing options available to help you succeed.

Why Do Business With SCCCU?

  • You’ll have access to affordable small business loans unique to your needs, including government-backed loans for growing businesses.
  • You can count on local decision-making by lenders who genuinely care about your business and your goals.
  • All business owners in Santa Cruz County and northern Monterey County may apply with an SSN, EIN or ITIN.
Woman looking at a laptop

Business Loans.

Get the funds you need to purchase inventory, buy a company vehicle, or invest in new equipment for your business.

Features

  • Low rates

  • Flexible terms

  • No prepayment penalties

  • Quick approval process with local decision-making

  • Convenient automatic payment available

  • Manage your loan 24/7 using Online or Mobile Banking

Terms & Requirements

  • Maximum LTV 70%

  • Must provide three years of personal and business tax returns (or year-end financials if business tax returns are on extension) and current financials

  • Apply using your SSN, EIN, or ITIN

Pay for the things you need when you need them with convenient access to a business line of credit.

Features

  • Borrow funds as needed and only pay interest on the funds you use

  • Take advantage of low rates with quick, local approval process

  • Manage your line of credit 24/7 using Online or Mobile Banking

  • Use automatic repayment options

Terms & Requirements

  • Must provide three years of personal and business tax returns (or year-end financials if business tax returns are on extension) and current financials

  • Apply using your SSN, EIN, or ITIN

One of the biggest challenges of owning a business is getting it off the ground. And we specialize in helping businesses that might not qualify for financing from other lenders.

Features

  • Can use for a wide range of business ideas

  • Flexible terms to fit your needs and budget

  • Direct access to local decision-makers

  • No prepayment penalties

  • Convenient automatic payment available

Terms & Requirements

  • Secured and unsecured loans available

  • Must provide three years of personal and business tax returns (or year-end financials if business tax returns are on extension) and current financials

  • Provide your business plan, including three years of projections, and a copy of your business license and lease (if applicable)

  • Apply using your SSN, EIN, or ITIN

Get the funds you need to purchase inventory, buy a company vehicle, or invest in new equipment for your business.

Features

  • Low rates

  • Flexible terms

  • No prepayment penalties

  • Quick approval process with local decision-making

  • Convenient automatic payment available

  • Manage your loan 24/7 using Online or Mobile Banking

Terms & Requirements

  • Maximum LTV 70%

  • Must provide three years of personal and business tax returns (or year-end financials if business tax returns are on extension) and current financials

  • Apply using your SSN, EIN, or ITIN

Pay for the things you need when you need them with convenient access to a business line of credit.

Features

  • Borrow funds as needed and only pay interest on the funds you use

  • Take advantage of low rates with quick, local approval process

  • Manage your line of credit 24/7 using Online or Mobile Banking

  • Use automatic repayment options

Terms & Requirements

  • Must provide three years of personal and business tax returns (or year-end financials if business tax returns are on extension) and current financials

  • Apply using your SSN, EIN, or ITIN

One of the biggest challenges of owning a business is getting it off the ground. And we specialize in helping businesses that might not qualify for financing from other lenders.

Features

  • Can use for a wide range of business ideas

  • Flexible terms to fit your needs and budget

  • Direct access to local decision-makers

  • No prepayment penalties

  • Convenient automatic payment available

Terms & Requirements

  • Secured and unsecured loans available

  • Must provide three years of personal and business tax returns (or year-end financials if business tax returns are on extension) and current financials

  • Provide your business plan, including three years of projections, and a copy of your business license and lease (if applicable)

  • Apply using your SSN, EIN, or ITIN

Commercial Real Estate Loans

You can count on us for competitive fixed rates and a streamlined lending process.

  • Build, improve, or expand a commercial property
  • Buy or refinance an owner-occupied or income-producing property
  • Acquire a business
Learn More
Woman being handed a credit card

Government-Backed Business Loans.

Government-guaranteed loans are a smart way for your small business to secure funds to grow. And these loans are ideal for newer businesses if you can’t get the financing you need from conventional sources.

Features

  • Provides funds for fixed assets, working capital, real estate, acquiring a business, refinancing debts, and more

  • Access to multiple SBA loan programs, including the 7(a) Loans, and CalCoastal Loans (CDC/504 Loans)

  • Competitive rates and flexible terms

  • Step-by-step guidance and support from our local business lending team

Requirements

  • Must meet program eligibility requirements

  • Can apply using your SSN, EIN, or ITIN

Government-guaranteed loans are a smart way for your small business to secure funds to grow. And these loans are ideal for newer businesses if you can’t get the financing you need from conventional sources.

Features

  • Provides funds for fixed assets, working capital, real estate, acquiring a business, refinancing debts, and more

  • Access to multiple SBA loan programs, including the 7(a) Loans, and CalCoastal Loans (CDC/504 Loans)

  • Competitive rates and flexible terms

  • Step-by-step guidance and support from our local business lending team

Requirements

  • Must meet program eligibility requirements

  • Can apply using your SSN, EIN, or ITIN

Microloans

  • We specialize in offering microloans, to our member businesses—from $2,500 to $50,000.
  • Available to new and existing businesses
  • Low rates, flexible terms, and no prepayment penalties
  • Quick approval process with local decision-making
  • Convenient automatic repayment available
  • Manage your loan 24/7 using Online or Mobile banking
Woman writing in a notepad

Learn More & Apply.

Connect with our local business team today.

More for Your Business.

Woman smiling

Business Checking Accounts

Find an account that’s a perfect fit for how you do business.

Learn More Business Checking Accounts
Man on a call

Business Savings Accounts

Your money grows with our flexible savings options.

Learn More Business Savings Accounts
Man smiling

Business Credit Cards

Streamline day-to-day purchases with our low-rate Business Visa Credit Card.

Learn More Business Credit Cards