Business Loans

For more than 80 years Seattle Metropolitan Credit Union has been helping our members with their personal financial needs. We also provide the same great service and financial expertise for businesses. If your business needs money to grow, credit lines to continuously seize new opportunities, or capital to buy equipment our Business Solutions team is here to help. We have flexible and scalable options to meet and exceed the unique needs of your business. We would love the opportunity to help your business prosper.

Vehicle Loans1

If your business depends on moving you and/or your products and services, you need to have reliable transportation. No matter if you are buying your first company car or adding to an existing fleet of vans, SMCU can help you get the financing you need at a payment you can afford.

SMCU Business Vehicle Loans feature:

  • Fixed or variable-rate options
  • Hybrid/electric vehicle discounts
  • No prepayment penalties

Apply Now

Equipment Loans2

You need the tools of the trade to compete. Maybe you need an office full of new furniture. Maybe one of your presses needs to be replaced. If you need new equipment, from heavy machinery to computer systems, talk to SMCU about our great rates and easy application process.

SMCU Equipment Loan features:

  • Terms up to 84 months,
  • Fixed and variable-rate options,
  • No prepayment penalties, and
  • Options for new or used equipment.

Apply Now

Real Estate Secured Loans

Are you looking to buy real estate for your business? Seattle Metropolitan can help you with the financing. Whether you need money to build a new headquarters or are looking to buy a twelve-unit apartment building for rental income, talk to our Business Service Specialists.

We can even help you get money from your existing residence to start or grow your business.

    Multi-Family Property Loans

    Do you need financing to acquire or refinance an income property? Seattle Metropolitan has funding for multi-family properties , including those with 5+ units that would not be eligible for conventional financing.

    SMCU Multi-Family Property Loans feature:

    • Financing up to 80% of the property value
    • Fixed and variable-rate options4
    • No pre-payment penalties.

    Commercial Real Estate Loans3

    When it comes time to purchase your own building or you want to refinance your existing property, it’s time to talk to Seattle Metropolitan. Our Business Solutions Specialists can help you build a loan package that fits your unique situation.

    Whether your building is a:

    • Owner-occupied commercial property,
    • Residential rental property
    • Office, industrial, or retail space

    SMCU can help you work out the financing. Plus every SMCU commercial Real Estate Loan features:

    • Fixed and variable-rate options, and
    • No pre-payment penalties.

    Apply Now

    Business Term Loans3

    If you have financing needs that aren’t covered by our other business financing options, ask your representative about a Business Term Loan. A Business Term Loan gives you the peace of mind of predictable monthly payments at the competitive rates SMCU is known for.

    SMCU Business Term Loans feature:

    • Fixed and variable-rate options4, and
    • No pre-payment penalties

    Apply Now

    Share-Secured Loans3

    Your cash reserves can be your key to borrowing the funds you need at reduced rates. When you use your deposits as collateral for your business financing, you continue to earn interest on your money and pay just 3.00% over the deposit rate for the amount you borrow. A Share-Secured Loan from SMCU is a great way to build or rebuild your business's credit rating.  

    They feature:

    • Flexible terms based on your unique situation, and
    • No pre-payment penalties

    Apply Now


    1Title fees, other third-party fees, and a $250 documentation fee may apply.2SMCU Equipment loans require a $250 documentation fee. Certain third-party fees may apply.3Third-party costs may apply.4 Business loan rates are based on a combination of factors, including personal and business credit history, loan to value, guarantor strength, cash flow coverage, as well as the unique characteristics of the loan you are applying for.5A documentation fee of $250 may apply.6Rates may increase if collateral value is deemed to no longer be sufficient for the loan amount. All Business and Commercial loan rates are based on a combination of factors, including personal and business credit history, loan to value, guarantor strength, cash flow coverage, as well as the unique characteristics of the loan you are applying for.