Features & Benefits

Tools and services for you

• Custom-tailored loan programs
• Commercial real estate mortgages
• Equipment and business term loans
• Lines of credit
• Letters of credit

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• Commercial Real Estate Mortgages: Get the long-term financing you need to purchase new properties or improve/refinance existing locations. At SEFCU you can choose a permanent mortgage with flexible terms and a variety of loan rates as well as construction loans in conjunction with permanent financing options.
   
• Equipment and Business Term Loans: Need financing for a fixed asset purchase - like equipment, fixtures, or vehicles - or permanent working capital for a business acquisition or expansion? An equipment or business term loan can help you get the funds you need.
   
• Lines of Credit: If you need immediate short-term financing to carry you during the off season of your business or sustain operations during a cyclical slow period, consider a SEFCU Line of Credit for Business. Lines of credit are typically granted as either a demand facility or a maximum period of a year and may be subject to annual review and a 30-consecutive-day zero balance provision or borrowing base. Overdraft Cash Reserve for Business is also available and provides you with the security and convenience of an overdraft line of credit that is linked to your SEFCU Business Checking account.
   
• Letters of Credit: From time to time SEFCU may issue letters of credit in connection with commercial financing in the form of either a direct pay or standby letters of credit.

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