Business Loans | Homebase Credit Union

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Small Business Loans

Homebase Credit Union offers business lending to our members! Each business is unique, and our team will help you with a plan catered to your organization’s specific needs. We’re pleased to offer products and services to support your small business:

Visa^® Credit Card²

Up to $30,000 spending limit
Rates as low as 11.99% APR

Vehicle Loan³

Up to $100,000
Rates as low as 6.99% APR

Equipment Loan³

Up to $100,000
Rates as low as 6.99% APR

Get Started Today!

Your first step will be setting up a business account with us. Learn about our business accounts, and meet with a team member to set up your savings and checking accounts.¹

Already have a business account with us?
Start your loan application:

APPLY FOR A BUSINESS LOAN

Commercial and Construction Lending

Homebase Credit Union partners with Cooperative Business Services to provide business and commercial lending opportunities to our members.

We offer competitive loans to purchase or refinance many types of properties, including: retail, office, industrial, multi-family, redevelopment, single tenant, owner occupied, medical/dental, and government leased investment properties.

Commercial Real Estate Loans:

Acquisition
Refinance
Expansion

Construction Loans:

Conventional
SBA

Speak with a Commercial Lending Specialist

Ryan Melcher

Ryan Melcher, Business Development Officer
Commercial Lending Group
Office: 888-697-9555
Cell: 804-601-0225
[email protected]
www.cbscuso.com

1) Business account membership required to open Business Checking or Savings. Membership is open to those that live or work in the following localities: Amelia, Charles City, Chesterfield, Colonial Heights, Dinwiddie, Goochland, Hanover, Henrico, Hopewell, King and Queen, King William, New Kent, Nottoway, Petersburg, Powhatan, Prince George, Richmond, and Sussex. Non-refundable joining fee of $1 plus $25 savings (share draft) deposit refundable at account closing.

2) Subject to credit approval. Rates from 11.99 to 17.99% APR. The actual rate you receive is based on credit worthiness criteria. Balance transfers cannot be applied to current Homebase CU loans. Finance charges for purchases, cash advances and balance transfers are computed by applying the periodic rate to the average daily balance. For cash advances and balance transfers, the finance charge starts to accrue from the date you get the advance or from the first day of the billing cycle in which the cash advance is posted to your account, whichever is later. Rates and terms subject to change. Some restrictions may apply. Contact Homebase Credit Union for more details.

3) Vehicle and Equipment Loans: All rates subject to change without notice. All rates listed above are our best rates based on approved credit; actual rates may be higher depending upon applicant’s credit rating and other underwriting factors. Most loans are processed the same day as the application is received. Please contact a Homebase CU loan officer for current rates and details. Membership required to apply for Homebase Credit Union loans, credit cards, and lines of credit. Terms up to 84 months available depending on model, mileage, and amount borrowed. The rate you receive is determined by credit qualifications. Ask a loan officer for more information. A loan example: $50,000 financed for 84 months at 8.24% APR would make the monthly payment $788.

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Visa® Credit Card

Earn rewards points, avoid annual fees, and pay the same rate for cash advances with our Homebase Credit Union VISA Platinum Credit Card.
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