Financing Built for Your Business Goals
Flexible financing for your business needs, with competitive rates, local support, and expert guidance.
Business Loans That Support Your Growth
Business Term Loans
A flexible loan option to finance equipment, vehicles, acquisitions, or other fixed business needs with predictable payment terms.
Learn More
Working Capital Lines of Credit
An open-ended financing tool to support short-term cash flow needs and day-to-day business expenses.
Learn More
Commercial Mortgages
Financing to help you purchase or refinance property for your business, with competitive rates and terms.
Learn More
Commercial Real Estate Secured Lines of Credit
Looking to grow your business? Obtain the additional funds you need for your business to succeed with a secured commercial equity line of credit.
Learn MoreGet the Best of Business Banking
Manage your business savings and checking wherever life takes you. Enjoy everyday features that make banking simple, secure, and stress-free.
Competitive Savings Rates
We offer competitive savings rates so you can earn more on your business’s funds.
Customized Savings Terms
Our business certificates offer various fixed terms so you can maximize earnings with predictable growth.
Localized Service
Personalized and local support you need from experts at your local branch.
Partnering With cuBIZloans
We partner with cuBIZloan, which is a collaboration of credit unions that process business and commercial loans to offer competitive loan service options.
Submit Your Loan Request Form
Please provide details about your business and cuBIZloan will work to find the best loan product.
Get Matched with a Lender
Eligible loan requests are matched with one of cuBIZloan’s 75+ trusted lenders.
Dedicated Loan Specialist
A Loan Specialist is available to help you through the application, contracting, and funding process!
Business Loan Options
Business mortgage loans with First Harvest Credit Union come with outstanding benefits, including:
- Get the right space at the right rate
- Purchase or refinance commercial real estate
- Competitive rates
- Variety of terms
- Conventional or SBA
- Up to 80% LTV, cash-out options
- No early termination penalties
Looking to grow your business? Obtain the additional funds you need for your business to succeed with a secured commercial equity line of credit. This allows you to tap into the equity of your eligible commercial property, using the property as collateral. These lines of credit feature:
- Financial flexibility for purchases
- Covers cash flow needs
- Competitive rates
- Multiple payback term options
- No early term penalties
- Construction Loans
Have a new project in mind? Or need to remodel your current facility? Ideal for individuals, developers and contractors, our construction loans include the following benefits:
- Multiple disbursements
- Simple access to funds
- Add a level financing option
- Land acquisition financing
- Purchase equipment
- Finance assets
- Acquisitions
- Purchase vehicles
- Make funds available for various business needs
- Fund business growth or expansion
When you need a fixed-term loan using the equity in your existing commercial property, look no further than our competitive business term loans. These loans offer the following benefits:
- Secured and unsecured options available
- Fixed or variable interest
- Repayments based on a predetermined schedule
- Variety of terms available
- Set up automatic payments through your credit union business checking account
Please contact your local branch so that we may recommend a product for your specific business needs. Or, learn more and request your loan now at cuBIZloan.
- Working capital
- Funding payroll
- Purchasing supplies
- Business emergency
- Seasonal inventory purchase
- Bridging the gap between accounts receivable and accounts payable
In purchase situations where you need additional cash flow, cuBIZloan Credit Union(s) may be able to issue a letter of credit to cover the full or remaining amount of the purchase.
Please contact your local branch so that we may recommend a product for your specific business needs. Or, learn more and request your loan now at cuBIZloan.
Frequently Asked Questions
You can apply for a business loan by speaking directly with one of our business lending specialist, who will review your needs, explain your options, and guide you through the application process from start to finish. Or, get started online by submitting a loan request form below.
Business loan decisions are made locally by our business team, allowing for faster responses and a more personalized review based on your business, financial history, and goals.
We use secure systems, member authentication, and established privacy practices to help protect your business and financial information throughout the loan application and servicing process.
More Solutions
Put your excess business cash to work with a Business Money Market account that earns competitive dividends while keeping your funds accessible.
Learn MoreBuild a stronger financial foundation with savings options that grow with your goals. Discover smart ways to help your business plan for what’s next.
Learn MoreSimplify your everyday banking with accounts that make managing cash flow easier. Explore flexible solutions tailored to your business needs.
Learn More
Business Money Market
Put your excess business cash to work with a Business Money Market account that earns competitive dividends while keeping your funds accessible.
Learn MoreBusiness Growth Savings
Build a stronger financial foundation with savings options that grow with your goals. Discover smart ways to help your business plan for what’s next.
Learn MoreBusiness Checking
Simplify your everyday banking with accounts that make managing cash flow easier. Explore flexible solutions tailored to your business needs.
Learn MoreGet Started Today!
Serving members across New Jersey, First Harvest Credit Union is proud to offer business loans with competitive rates and local service.
Tips for Better Business Banking
