Business Loans

Loans that keep your business running

Our business lending team can provide affordable solutions for your borrowing and business financing needs. If you're seeking a loan to build or expand your business, we have resources available for you. Our loan options can help you finance property, acquire a business, purchase equipment or vehicles, provide working capital and more. Whatever your business needs, we have options that can work for you.


RBFCU has reopened the Paycheck Protection Program (PPP) loan application inquiry process for a limited time. If your small business is still in need of assistance, please fill out a request form through Newtek®, a trusted third-party partner that will expedite the process. Learn more »

Lending options we offer our business members include:

Commercial real estate loans

RBFCU can help you buy, build or invest in property that will help your business grow.


  • Owner-occupied
  • Retail
  • Lot loans
  • Investment property
  • Single family residence
  • Multi-family residence
  • Construction for commercial use properties


  • Finance up to 80 percent of property value
  • One-time close on construction loans

SBA loans

Backed by the government, these loans provide borrowers additional opportunities to build businesses. Learn more about SBA loans.


  • Business acquisition
  • Equipment
  • Specialized commercial vehicles
  • Commercial real estate purchase/renovation
  • Construction
  • Franchises
  • Working capital


  • 7a and 504 loan options available
  • Patriot Express options available
  • Lower down payments
  • Longer loan terms

Business credit card

Use your card to provide cash flow for your business, and get rewarded for it. Learn more about our business credit card.


  • Separate business expenses from personal expenses
  • Complete transactions quickly and easily with other businesses around the world — and online!


  • 2% cash back
  • 25-day grace period on purchases
  • No annual fee

Commercial vehicle and equipment loans

Keep your business on the road to success, whether you have one vehicle or 30.


  • Individual vehicles
  • Equipment and specialty items
  • Construction equipment, medical equipment, machinery and more


  • Competitive rates
  • Up to 125 percent financing on qualified vehicles

Interested in connecting with a Business Lending specialist? Contact us:

What we consider when evaluating a business lending request

  • Business standing

    Our lenders consider your business history, current business standing and the type of loan you desire. For some loan types, including SBA loans, you may also be required to provide a business plan highlighting your projected financial statements, including profit and loss, cash flow and balance sheet.

  • Collateral

    The loan you are able to secure may depend in part on the collateral you have available to put up against the loan value. You may want to prepare information regarding the value of potential collateral items as part of the loan process.

  • Financial standing

    To determine your business’ creditworthiness, our lenders may review several sources of information, including your credit score, bank statements, tax returns and other information.

  • Legal standing

    Our lenders may want a good idea of contracts you have in place with third parties, any leases or other agreements that are in place, and your business licenses or registrations.

Loans Calculators

  • Should I own or lease my business location?
  • How much money do I need to start my business?
  • How long will it take to repay my business loan?
  • Which business loan term should I choose?

Loans FAQs

Business Lending rates and terms are subject to change and are offered with approved credit.