Business Loans

Keep your business moving in the right direction.

We help your business grow.

Smart Financial is committed to helping our business members meet cash flow needs and finance growth. We can help you select the short or long-term borrowing options best suited and tailored to your business's specific needs. Our Business Specialists will take the time to understand your business goals, and provide you customized solutions with competitive rates and flexible payment schedules.

Loan Options

Friendly service, competitive rates, quick loan processing.

Term Loans

Lines of Credit

Vehicle Loans

Equipment purchases Loans

Real Estate

Construction Loans

Ask an expert

Have questions about business loans or lines? Our friendly lending team is ready to help. Learn about your loan options, and get personalized estimates for your business.

Don't know where to start? Answer a few questions to get the ball rolling!

How do I get a business loan?

  • Determine which type of loan best suits your business’ needs and goals.
  • Determine the amount of money you want to borrow.
  • Check your personal and business credit scores.
  • Gather all the requested documents and information for the lender.
  • If funding your new accounts by electronic transfer from another financial institution, you’ll need their routing number and your account number.
  • Schedule an appointment or visit one of our nearest locations to apply for the desired business loan.

Smart Financial Credit Union is not an approved SBA lender and we will not be offering any SBA loans at this time.

Please apply on line at the SBA web site link below for the following types of loans: Express Bridge Loan (EBL), Payroll Loans(PPP), CARES, and SBA Economic Injury Disaster Loan (EIDL).


How to Apply:

You can apply online for an SBA disaster assistance loan.

You must submit the completed loan application and a signed and dated IRS Form 4506-T giving permission for the IRS to provide SBA your tax return information.

For additional information, please contact the SBA disaster assistance customer service center. Call 1-800-659-2955 (TTY: 1-800-877-8339) or e-mail