A Business Line of Credit That Moves With You

Access the capital you need with a line of credit that adjusts to your pace and priorities.

Keep Cash Flowing. Keep Growing.

When you’re running a business, timing is everything. That’s why a Service Credit Union Business Line of Credit is built to move at your speed, giving you the freedom to draw funds when needed, and the breathing room of monthly interest-only payments for the first three years. This is followed by a four-year repayment period with fixed monthly payments.

What Makes Our Business Line of Credit Different?

Interest-only monthly payments for the first three years, with easy access to funds when you need them
Four-year fixed repayment term for predictable monthly planning
Straightforward qualifications—2+ years in business, $100,000+ in revenue, and good personal credit
No surprises, no annual fees—just member-first service every step of the way

With straightforward qualifications, no annual fees and terms that support long-term growth, it’s a flexible solution designed for business owners who want to stay in control no matter what the day brings.

Cover Seasonal Costs

Plan ahead for your busiest times of year with flexible access to working capital.

Make Payroll on Time

Bridge short-term gaps so your team always gets paid without the stress.

Restock Inventory

Stay fully stocked and ready to serve your customers, even during slow periods.

Fund Special Projects

Take advantage of new opportunities without draining your cash reserves.

Business Line of Credit FAQs

Answers to help you apply with confidence.

Is there an annual fee or penalty for early repayment?

No. This line of credit is built to be flexible and member-friendly, with no annual fees or prepayment penalties.

What documents do I need to apply for a Line of Credit?

An application, your business balance sheet and a profit & loss statement.

How do I qualify for a Line of Credit?

You’ll need at least two years in business, $100,000+ in annual revenue, and good personal credit.

What happens after the draw period ends?

After three years, the outstanding balance is converted to a four-year term loan with fixed monthly payments.

How long is the draw period?

You’ll have three years to draw funds as needed, with interest-only monthly payments.

What is a Business Line of Credit?

It’s a flexible loan that gives you ongoing access to funds for short-term needs. Use it, repay it and reuse it during the revolving period.