Apply for a Business Loan

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Ready to Apply for a Business Loan?

When applying for a business loan, you will need to:

Complete a Business Loan Application
Have all guarantors ¹ for your business complete a Personal Financial Statement
Submit required documentation depending upon the type of loan(s) your business is applying

Heritage Family Credit Union has several different Business Loan options to help you pursue your business goals. You can apply for multiple loans using one application, including Business Visa®, Business Line of Credit, Vehicle or Equipment Loan, and a Commercial Real Estate or Construction Loan.

You can apply online, in person at any of our locations, or through HFCUVT Video Branch. Choose the method that works best for you!

A business guarantor completes forms for a business loan

Personal Financial Statement

After completing the Business Loan Application and selecting the type(s) of loan(s) you are applying for, the next step is to have all of the guarantors ¹ for your business loan complete a Personal Financial Statement. This form will be emailed to each guarantor, but it can also be accessed on this page or from their Business eBranch login by navigating to Secure Forms.

Complete your Personal Financial Statement

Additional Documentation

A business lender will contact you within one business day of submission of your completed Business Loan application to discuss the next steps and any documentation that may be required. If you want to start providing any of these documents, please upload them to our Business Portal.

Examples of documents are:

From the Business

2 years signed Business Tax Returns
Most recent Profit and Loss

From the Borrowers/Guarantors ¹

2 years signed Personal Tax Returns
If employed by another business, 2 years W-2 and a month's worth of paystubs

FOR REAL ESTATE LOANS

Purchase and sales on the property, if applicable
Most recent property tax bill
Most recent insurance binder
Statement from the current mortgage company, if applicable

FOR VEHICLE/EQUIPMENT LOANS

Bill of sale, if applicable
Most recent insurance binder
Statement from current financial institution if currently financed

Upload Documents

Please use this form to upload documents to the Business Services Department securely. It works best on a computer, not a mobile device.

To utilize this system, please use a recent version of Google Chrome, Safari, Firefox, or Edge as your browser. Unfortunately, Internet Explorer is not supported.

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Meet the Business Lenders

Empowering innovation, economy, and community financial success through providing personalized assistance.

Prompt decisions from experienced, knowledgeable, local professionals
Expert customized guidance and service
Access to key decision-makers, including Executive Management
Reliable, adept, cooperative financial partner

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