Routing & Transit Number: 251480181

Business Loans and Credit Cards

We have loans to help your business grow!

Most business owners borrow to grow their company, acquire fixed assets, or finance working capital. Even if your business is thriving and profitable, chances are you will need financing to purchase new equipment, inventory, weather a seasonal sales contraction, or to smooth out normal swings in operating cash flow.

As a business member of UVA Community Credit Union, you can take advantage of a variety of short- and long-term loans with competitive interest rates and sensible repayment terms.

For more information, contact a business loan officer today.

A UVA Community Credit Union Visa Platinum credit card is a convenient way to pay for everyday business expenses while efficiently managing cash flow. It's also a great way to keep business and personal finances separate. Card holders enjoy the benefits of no annual fees, extended warranty protection, $1 million travel accident insurance, and an annual statement of your transactions.

For more information contact a business loan officer or visit your nearest branch today.

Looking to acquire, refinance, or expand your business? UVA Community Credit Union can help you simplify the process with a commercial real estate loan. A UVA Community Credit Union commercial real estate loan offers competitive rates and terms. Use a commercial real estate loan for any real estate-related capital expense
  • acquisition or refinancing
  • construction or renovation
  • owner and non-owner occupied

For more information: Contact a business loan officer today.

Whether you are planning to build a commercial building for your business to occupy, or as an investment property, we can provide financing for its construction and guide you through the process.

For more information: Contact a business loan officer today.

Grow your business by financing additional equipment or take advantage of equity in existing equipment to fund operations.

For more information: Contact a business loan officer today.

Our vehicle loans are designed specifically to purchase new or used automobiles, trucks or vans. We can finance a wide variety of new and used vehicles over convenient amortization periods. Many types of vehicles are eligible for 100% financing.

For more information: Contact a business loan officer today.

Smooth out your cash flow with a line of credit, a ready source of short-term funds. With a line of credit you can:
  • access short-term cash until receivables can be collected
  • take advantage of supplier discounts
  • cover seasonal working capital increases

For more information: Contact a business loan officer today.

Does your business have access to affordable, short-term liquidity? Business CheckLine is a no-fee, low-rate revolving line of credit that you can access simply by writing a check. You can also access CheckLine by ATM, Online Banking, our call center, or at any branch. CheckLine also helps protect you against overdrafts. Funds are advanced in increments of $100.00 up to the available credit line.

For more information contact a business loan officer today.

  • Options for Businesses located within our field of membership
    PowerSaver Business Loan options can provide the capital you need to achieve your energy efficiency and green business goals.
  • Charlottesville Clean Energy Commercial Loan (for City of Charlottesville businesses only)
    Charlottesville Clean Energy Commercial Loans are made possible through a grant provided by the City of Charlottesville, in order to help promote, enable, and invest in the use of renewable energy technologies and energy efficiency improvements in City of Charlottesville businesses.

Learn more about our PowerSaver Business Loans.

We are also an approved Small Business Administration lender. For several years in a row, the SBA has recognized our commitment to support small businesses by naming us the Top Credit Union in the Richmond District.

Applying for a Loan

Apply for a business loan or credit card by completing three forms, then submit the required business financial statements, and return them to any branch:

You do not need to be a member until you are approved for a business loan or credit card, if your business is headquartered in our field of membership, you are eligible.

For information on any of our business deposit products, visit our Business Overview.
For information on business banking online and how it can help manage your finances online, view our Business Online Banking Overview.
For information on our Merchant Services, visit our Merchant Services Overview

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