Small Business Loans
Let’s Grow Together
What Our Business Loan Experts Can Do For You
For over 90 years, Seattle Credit Union has been helping our members with their personal financial needs. We also provide the same great service and financial expertise for businesses.
Business Loan Types
Most business loans include low fixed and variable-rate options1, no-pre-payment penalty options, and flexible terms that fit with your budget.
Established Business Loans
We offer financing for any stage of business. So whether you’ve been in business for 2 years or 20 years, we have loan solutions for you.
Established Business Loans feature:
- Fixed and variable-rate options1
- No pre-payment penalty options available
For inquiries or to apply, please call us at 206-398-5500 or complete our inquiry form here.
Make sure to review our application checklist.
Start-Up Business Loans
Is your business just getting off the ground? We can help with start-up business counseling and connect you with our community partners to help you have the best start possible.
For inquiries or to apply, please call us at 206-398-5500 or complete our inquiry form here.
Make sure to review our application checklist.
ITIN Business Loans
If you have an Individual Tax Identification Number (ITIN), we have small business loan options for you.
Our Business ITIN Loans feature:
- Low fixed and variable-rate options1
- No pre-payment penalty options available
- Flexible terms to fit with your budget
For inquiries or to apply, please call us at 206-398-5500 or complete our inquiry form here.
Make sure to review our application checklist.
Business Lines of Credit
If your business needs a line of credit to help you manage cash flow and maximize opportunities, Seattle Credit Union has you covered.
Business Lines of Credit feature:
- Low rates to work with your budget
- No pre-payment penalty options available
For inquiries or to apply, please call us at 206-398-5500 or complete our inquiry form here.
Make sure to review our application checklist.
Business Vehicle Loans
Get your business moving quickly. Whether you need a commuter vehicle, a specialized truck, or a full fleet of delivery vans, we can help get your business on the road.
Seattle Credit Union Vehicle Loans feature:
- Competitive rates
- Up to 100% financing of the purchase price
- Flexible terms up to 84 months to fit in your budget
- No pre-payment penalty options available
For inquiries or to apply, please call us at 206-398-5500 or complete our inquiry form here.
Make sure to review our application checklist.
Business Equipment Loans
Looking for funding to launch a new business offering or expand your production?
Seattle Credit Union Business Term & Equipment Loans feature:
- Low fixed and variable-rate options1
- No pre-payment penalty options available
- Options for new or used equipment
- Flexible terms to fit with your budget
For inquiries or to apply, please call us at 206-398-5500 or complete our inquiry form here.
Make sure to review our application checklist.
Business Credit Card
The Seattle Credit Union Business Visa® Credit Cards offer simple, easy-to-use financing options with the great rates and low fees that we’re known for. With our credit card you’ll have the payment flexibility to help your business prosper.
Business Visa Credit Cards feature:
- Great Competitive Rates, as low as WSJ Prime + 3.74% APR2
- Limits up to $45,000
- No annual fee
You may be eligible if you’ve been in business for at least three years.
For inquiries or to apply, please call us at 206-398-5500 or complete our inquiry form here.
Make sure to review our application checklist.
What You Need to Apply Checklist
Your business is a start-up and has been registered with the Secretary of Washington State for 2 years or less:
- 2 Years of Personal Tax Returns
- Business Plan
- Business Projections
- Legal entity documents for your business, which can include:
- Certificate of Formation (LLC or Partnership)
- Certificate of Incorporation (Corporation)
- LLC Operating Agreement
- Partnership Agreement
- Articles of Incorporation and Bylaws
- Employer Identification Number (EIN Documentation).
- A description of the collateral you will use to secure the loan, including the signed purchase order and/or signed bill of sale.
- As applicable:
- Title Documents
- Insurance Certificate
- Odometer Statement (if applicable)
- Valuation (upon request)
- As applicable:
- Membership with the credit union
Your business has been registered with the Secretary of Washington State for 2 years or more, or your business has been registered for 23 months or less AND you’ve filed business tax returns for the most recent tax year:
- One year of business and personal tax returns (for each owner with 25% or more ownership).
- Profit and Loss Sheet
- Balance Sheet
- Legal entity documents for your business, which can include:
- Certificate of Formation (LLC or Partnership)
- Certificate of Incorporation (Corporation)
- LLC Operating Agreement
- Partnership Agreement
- Articles of Incorporation and Bylaws
- Employer Identification Number (EIN Documentation).
- A description of the collateral you will use to secure the loan, including the signed purchase order and/or signed bill of sale.
- As applicable:
- Title Documents
- Insurance Certificate
- Odometer Statement (if applicable)
- Valuation (upon request)
- As applicable:
- Membership with the credit union
Connect With Seattle Credit Union’s Small Business Experts
Disclosures
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1Business loan rates are based on a combination of factors, including personal and business credit history, loan to value, guarantor strength, cash flow coverage, as well as the unique characteristics of the loan you are applying for.
2Annual Percentage Rate (APR) is current as of June 11, 2025 and reflects any prepaid finance charges and is subject to change without notice. Other restrictions may apply. Rates and financing are offered based on applicant’s credit qualifications and other underwriting criteria, including but not limited to, credit and loan payment history. All loans are subject to approval. The rate assigned will be disclosed to you before you become obligated. Please contact Seattle Credit Union at 206.398.5500 or toll-free at 800.334.2489 for further details.