Financing options to grow your business.

We get it, it takes money to make money! Signature FCU offers a variety of financing options to help your business succeed.

Business Visa® Signature

At the Visa Business Signature level, your Visa card is giving back to you, with some of our lowest rates and highest Signature FCU Rewards level: 2 points for every $1 spent.

The Visa Signature card offers access to concierge service and support including Purchase Security in the event of theft or certain types of damage, and travel protection coverage such as an Auto Rental Collision Damage Waiver Program, Travel Accident Insurance, and more. To get a full understanding of all the great benefits and each offer you can get with your Visa Signature card, click on the links below or call (800) 348.8472

Visa Signature Offers and Deals Visa Signature Benefit Disclosures

The Visa Signature credit card offers the following premium features:

  • Starting at 8.70% Annual Percentage Rate
  • Choose from either a point card that earns 2 points for every dollar spent on purchases or getting a 2% cash rebate
  • No annual fee, balance transfer fee, or cash advance fee
  • No minimum finance charge
  • No foreign transaction fees
  • Visa Signature Concierge
  • Auto rental insurance
  • Personalize your card
  • Digital wallets

Business Vehicle Loans 

A Business Vehicle Loan can help you get in the driver’s seat of a new or a used car, truck, boat, or motorcycle. Finance up to 80% of the purchase price including tax and tags on most vehicles. For pre-owned car purchases, we will also help you determine the value based on the NADA appraisal book so you can negotiate a fair price.

Business Personal Loans 

Business Personal Loan - Choose your term that fits your needs. 
A business loan for anything life throws your way. Flexible loan terms and repayment plans to fit your needs.

Express Money Line of Credit

A business line of credit you can draw funds from when needed.

Share Savings and Certificate Secured Loans 

A Share or Certificate Secured Loan allows you to borrow money without cashing in your certificate before maturity or sacrificing the dividends earned on your savings. Essentially, you’re borrowing against your own savings, which is why Share and Certificate Secured loans have the lowest rates. Dividends will continue to accrue on the money used to secure the loan. Flexible repayment terms.

Details about Signature Share Secured Loans:

  • Share Savings or Certificates can be used as collateral
  • You may borrow up to 100% of the account balance
  • The rate is fixed and only 3% above your current share savings or certificate dividend rate
  • Funds in the share savings and certificate accounts still earn dividends
  • Funds in the share savings and certificate accounts are released as the loan is paid off

Commercial Real Estate Mortgage

  • Loan amounts up to $2,500,000
  • Loan-To-Value up to 80%
  • Fixed Term up to 15 years, amortizing up to 30 years
  • 5, 7, & 10- year balloon, amortizing up to 30 years
  • Principal and Interest Payments
  • Commercial properties that are owned by a member, or owned by a real estate holding company that is owned by a member, and held for investment purposes
  • Commercial properties that are owned by a member, which may not be occupied by the member’s business, but instead may have other manufacturing, wholesale, or industrial businesses as tenants
  • Based on the nature of the business, and surrounding businesses, a Phase I Environmental Report, prepared by a recognized engineering firm, may be required
  • Member Business loan will require the full and unconditional personal guarantee of any owner holding an equity interest in the borrowing entity. All guarantors must be either current Credit Union members or be eligible to become Credit Union members.

Documents Required for Processing:

  • 3 years Personal Tax Returns
  • 3 years business tax returns (all entities, if applicable)
  • Profit and Loss Statement
  • Personal Finance statement
  • Purchase agreement (purchase transactions only)
  • Copy of Deed (refinance transactions only)
  • Proof of Insurance
  • Rent Roll

Signature FCU also offers:

  • Equipment Loans
  • Home Equity Loans
  • ATV Loans

Visa Business Reporting and Business Services

Simplify expense tracking with Visa Business Reporting. Visa Business Reporting allows small business cardholders a more efficient way to manage expenses. It provides desktop and mobile access to transaction data so they can track spending and stay on budget — at work or on the go.

In addition to Signature FCU's business lending and account capabilities, we have also partnered with Newtek, a company that can help with other aspects of your business like tax preparation, payroll services, website help, and more. Click here for more information on the business services Newtek offers

Application Center

Let’s get started on your new business account with Signature FCU.

You will need to upload the following documents:

  • Copy of Drivers License or Government Issued ID
  • EIN number on IRS Letterhead
  • Registered Business Name Statement
  • Articles of Organization (If Applicable)
  • Signature FCU Business Account Application

Apply for a Business Account Online Business Account Application

Ready to apply for a Business Loan? Complete one of the application options below. (To apply for a loan online, you must be enrolled in our Online Branch or SFCU Mobile Banking app and have your Member Number)

Need help? Click here for directions on how to apply for a loan in Online Branch/SFCU Mobile Banking app.

View Business Loan Rates

Business Loan Application

Account Update Information

If you ever need to update your account information such as adding or removing authorized officers, click on the Business Account Update Form button below. Complete the form and mail it to us at PO Box 148 Alexandria, VA 22313-0148, click on the Secure Upload button below to submit the documents online, or email it to us at

Business Account Update Form

Return the completed form by mail or by using our Secure Upload button, we'll take it from there.

mail icon    OR    Secure Upload