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Financing for your business.

  • Borrow up to $55,000 with NO PREPAYMENT PENALTY.

Low Interest Rates

Interest rates start at a fixed base rate plus 3.0%. Your rate is based on your credit score—the higher your score, the lower your rate.

Use Property Equity

Borrow up to $55,000 by using up to 55% of your property’s appraised value - without refinancing your home.

No Prepayment Penalty

Loan terms are fixed from 6 months to 5 years, and there’s no penalty for paying off your loan early.

Business Extra Info

Eligibility Requirements

  • Must be an EFCU member for 3+ months
  • Personal ownership of the property used as collateral
  • Minimum 650 credit score
  • Acceptable business and personal Debt-to-Income (DTI) ratios
  • Verifiable business income
  • Property must meet standard condition and marketability guidelines

Explore Other Loan Options

Personal Loan Card

Personal Loans

Apply for a quick loan for fast approval or borrow more for larger goals.

Vehicle Loan Card

Vehicle Loans

Borrow up to $55,000 with a loan term that fits your budget—buying or refinancing.