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Business Loans
Financing to support every stage of your business.
USC Credit Union offers a range of business loans and financing options designed to help your business grow. Whether you’re expanding operations, managing cash flow, financing a commercial property, or investing in equipment, our solutions provide the support and flexibility you need to move forward.
- Loans for Los Angeles and Orange County businesses and nonprofits of all sizes
- Available nationwide to USC Alumni-owned businesses
- Set up automatic loan payments with USC Credit Union business checking and savings accounts
Home
Lines of Credit
A revolving line of credit that provides flexible access to funds for operating expenses, working capital, and the day-to-day needs of your business.
Term Loans
Predictable financing with a fixed interest rate and set repayment term, helping you fund major investments – such as equipment purchases, debt refinancing, or business acquisitions
Small Business Administration (SBA) Loans
Government-backed loans that help small businesses access affordable financing when conventional loan options may be limited.
Commercial Real Estate
Access financing for the purchase or refinance of commercial and investment properties, including office, retail, industrial, and multifamily real estate.
Frequently Asked Questions
Yes. A USC Credit Union Business Membership is required before your loan can be funded. To help avoid delays, we recommend submitting your business membership application in advance.
Personal membership with USC Credit Union does not automatically qualify for a business membership. A separate application is required for business membership. View eligibility requirements.
Business Financial Documentation
- Tax Returns: Complete federal returns for the last 2-3 fiscal years (all schedules included).
- Fiscal Year End Financial Statements: Last 2-3 years
- Interim Financials: A Year-to-Date (YTD) Balance Sheet and Profit & Loss (P&L) statement (less than 60 days old).
- Business Debt Schedule: A list of all current business loans, including balances, monthly payments, and maturity dates.
- Formation Documents: Articles of Incorporation, LLC Operating Agreement, or Partnership Agreement.
Personal Documentation (for all 20%+ owners)
- Personal Tax Returns: Federal returns for the last 2-3 years.
- Personal Financial Statement (PFS): A current snapshot of assets, liabilities, and net worth.
- Identification: Government-issued ID (Driver’s License or Passport).
Property Specifics (for Real Estate Loans)
- Purchase Agreement: A signed copy of the Sales Contract (if a purchase).
- Rent Roll: A current list of tenants, lease terms, and monthly rental amounts.
- Lease Agreements: Copies of all existing or proposed tenant leases.
- Operating Expenses: A detailed breakdown of property taxes, insurance, and maintenance costs.
Your timeline will depend on your financing needs. A Business Banking Manager will guide you through the process.
Coming soon: Eligible online applications may be processed in as little as 5 business days after submission.
Ready to Get Started?
To apply for a loan or schedule a meeting to discuss your business financing needs, please complete the form below.
Chuck Nelson
VP of Commercial Services
Quick responses, great service, constant communications to keep us informed, a fairness to small businesses. USC Credit Union’s services exceedingly surpass those of big banks.
Grow with USC Credit Union
Become a USC Credit Union business member today and connect with a business banking partner to explore financing solutions tailored to your business.