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Compare Business Loans


Business Loans

At Yolo Federal, we’re committed to helping you grow your business. That’s why we offer a wide selection of Business Loans to meet your needs. Check out our options below.

  • SBA & USDA Guaranteed Loans

    SBA Loans are available to any eligible small business, and also generally have lower rates than an average business loan.

    USDA Loans are special loans backed by the department of agriculture for businesses working in rural areas. They typically have low-interest rates.

    To apply for an SBA or USDA Loan, email our Business Lending team at BusinessLending@yolofcu.org.

  • Commercial Vehicles and Equipment Loans

    We’ll help you get the gear you need to build your business. Learn more about our Commercial Vehicles and Equipment Loans here.

    Click here to apply.

  • Business Secured/Unsecured Lines of Credit

    This line of credit is as flexible as you are! If you need to cover short-term needs for your business—new inventory, projects, or payroll—a line of credit gives you access to cash when you need it. We offer both unsecured and secured lines to help with your business needs.

    Click here to apply.

Not what you’re looking for? Check out our Commercial Real Estate or Business Visa® instead.

Commercial Real Estate

Location, location, location! As a growing business, you know that location is essential. So, whether you’re expanding or a landlord, we’ve got just the right loan for you.

  • Commercial Real Estate Loan

    Moving to a bigger location for expansion? Adding a second location? Or looking to refinance your current building? We’re here to help! Our Commercial Real Estate Loan is exactly what you need to build your established business. Let us be your partner in growing your business.

    Click here to apply for a Commercial Real Estate Loan.

  • Multifamily Property Loan

    Is your portfolio of Multifamily properties (such as an apartment complex) growing? Or are you looking to refinance an existing property? We’re your perfect partner to help you grow your business and put families into homes.

    Click here to learn more about our Multifamily Property Loan, or apply now.

  • Construction Loan

    Whether it’s a fancy new office or a snazzy storefront, you’ll probably need a Construction Loan. And getting one is much easier with a true friend by your side. We’ll walk you through the underwriting process and answer any questions that pop up.

    If you already have business plans and projections, email us at BusinessLending@yolofcu.org. If not, visit the Small Business Development Center for more resources.

Not what you’re looking for? Check out our other Business Loans or Business Visa® instead.

Business Visa®

Petty cash is a thing of the past. Our Business Visa works worldwide and lets you easily make and keep track of what you buy. With a super competitive interest rate, you could take your business to the next level with the Business Visa.

Commercial Vehicles and Equipment

Buy the gear you need to build your business or upgrade out-of-date (or unsafe!) equipment with a Commercial Vehicle and Equipment Loan. With competitive rates and personalized service, let us be the partner you need to grow your business profits.

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To qualify for membership, you must live, work, worship, attend school in Yolo, Sacramento, Placer, or El Dorado counties.

To apply for a Home Loan, you must qualify for membership, and the property must be located in Yolo, Sacramento, Placer, or El Dorado counties or within 50 miles of our corporate office. 

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You are contacting a Yolo Federal Credit Union Representative. By clicking “Continue,” you understand that any transmission to or from this site is not confidential. You agree that Yolo Federal Credit Union will not be responsible to anyone for any damages arising out of or in connection with any e-mail or other electronic transmission sent to Yolo Federal Credit Union. All information you submit to Yolo Federal Credit Union via the site will be considered to be the property of Yolo Federal Credit Union, and Yolo Federal Credit Union is free to utilize any information you submit for any purpose, subject to Yolo Federal Credit Union’s Privacy Policy.

Fraud—Protect Yourself

We proactively work to protect members against fraud. All of our Debit and Credit Cards come with ID Navigator through NortonLifeLock™ to help protect you against identity theft. If you suspect fraud or have questions, please call, schedule an appointment, or click on Let's chat! to speak with a Yolo FCU representative.

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