Reliable financing to help your business grow, adapt, and thrive
Every business has unique financial needs. Whether you’re looking to finance equipment, expand your operations, or manage seasonal cash flow, WCCU offers tailored solutions to keep your business moving forward.
Business Term Loans
When your business needs reliable funding for growth, WCCU Term Loans offer a simple way to finance major purchases like equipment, vehicles, or expansion—with the stability of predictable monthly payments.
- Up to 10-Year Terms
- Competitive Fixed Rates
Business Lines of Credit
Get the financial flexibility to manage your day-to-day needs. A WCCU Business Line of Credit offers quick access to funds for seasonal expenses, cash-flow gaps, or unexpected costs—so you can borrow only what you need, when you need it.
- Access funds as needed
- Unsecured and secured options
FAQs
- A Business Term Loan provides a lump sum of funds you repay in regular monthly installments over a set period—ideal for one-time purchases like equipment or expansion.
- A Business Line of Credit offers ongoing access to funds you can draw from as needed, making it perfect for managing cash-flow gaps or seasonal expenses.
Most WCCU business lending decisions are made locally and quickly. Once your application and supporting documents are complete, you can expect to receive funding within 10 business days.
You can use WCCU business financing for a wide range of needs—purchasing equipment, vehicles, or property; covering seasonal cash-flow gaps; or funding expansion projects. Our Business Lending team will help you match the right loan type to your business goals.
Yes! Many businesses use both. A term loan covers larger, one-time investments, while a line of credit provides flexible access to working capital. Together, they help balance long-term growth and short-term cash-flow needs.
You don’t have to be a member to start the application process, but a Business Membership is required to finalize your Business Loan or Line of Credit. Joining is quick and easy—simply visit any WCCU branch to get started.
You can apply by contacting our Business Lending Team directly. We’ll discuss your goals, help you choose the best financing option, and guide you through every step of the process.
- There is no application fee
- Closing costs are $399.00
- Completed application
- 2 years of the most recent tax returns
- Personal Financial Statement
- Additional documentation may be required depending on loan type
Business Savings Account
Set aside funds in a simple savings account with WCCU.
Connect with a Business Lending expert
to discuss your goals and explore the best financing options for your business or complete the Business Contact form below.
Kathryn Tracey
Commercial Relationship Officer
Office: 401.637.4436
Email: [email protected] (Please note email is not secure)
Shannon Melchione
Commercial Relationship Officer
Business Contact Form
Complete and Submit the Form below. You should receive a response within 24 business hours.
This is not a secure email - please do not provide account information.