Business Loans

Whether you’re just starting out or your business is already well-established, Bay Federal Credit Union’s flexible financing options can help put you on the path to success.

Types of Loans

Business Vehicle Loans

Get where you need to go!

  • Financing available for trucks, cars, and vans.
  • Loan amounts: $5,000-$100,000.
  • Terms range 3-5 years.

Business Visa Credit Cards

Easily manage expenses for trusted employees!

  • Credit limits: $1,500-$50,000.
  • Enjoy low variable interest rates and no annual fee.
  • Collect even more BayREWARDS points with authorized users.*
  • Plus — unlike a debit card — there aren’t daily spending restrictions.

Business Term Loans

Borrow a lump sum!

  • Establish, expand, or float your business.
  • Loan amounts: $5,000-$100,000.
  • Terms range 3-7 years.

Business Line of Credit

Infuse your business with working capital!

  • It looks like a credit card, but comes with an even lower variable interest rate.
  • Can be used to cover expenses, expand, stock your shop, and more.
  • Minimum loan amount: $15,000.

Get started below or visit any Bay Federal branch!

Care is open for business.

Commercial Real Estate Essentials

Bay Federal Credit Union offers Commercial Real Estate loans for commercial properties in the state of California. These loans can be used to purchase or refinance retail or office space, industrial-use properties, or multi-family properties.

  • No Pre-Payment Penalties!

  • Purchase or Refinance

  • Residential Real Estate – 5+ Multi-Family Units 

  • Farm & Agriculture 

  • Office and Warehouse Space

  • Loan amounts up to $5,000,000

*See our BayREWARDS Brochure, Frequently Asked Questions, and Terms & Conditions for more information.

To redeem your BayREWARDS points, login to your Bay Federal Online Banking account, choose “BayRewards” from the main menu, then select your card from the list provided.

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