Fuel your growth with a low-rate business loan
Get flexible financing for business vehicles, equipment, or working capital.
Overview
Grow your business with a flexible RCU loan designed to support your needs and build your equity. Whether you’re financing or refinancing your business autos and equipment, upgrading your fleet, investing in new machinery, expanding your operations, or looking for working capital, we have the funding and support you need.
Vehicles
Buy or refinance business cars, trucks, and cargo vans. Get fleet financing for 5 or more vehicles.
Equipment
Finance construction, manufacturing, agricultural, restaurant, office, or IT equipment.
Working capital
Fund operations and growth opportunities like product development, marketing, and inventory.
Fleet services
Make fleet management easy with full service vehicle procurement and purchasing through RCU Auto Services.3
Not sure where to start? Let us help you.
Let’s determine the best loan for your needs and begin the application process together.
Section 179 is a valuable tool that can significantly impact your bottom line. It’s a strategic move that not only enhances your operational efficiency, but potentially optimizes your tax strategy."
Other business loan options
Get the funding you need to succeed
Finance your vehicles, equipment, or capital with terms that work for you.
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1Rates are effective August 16, 2026 and are subject to change without notice. Certain restrictions may apply. New autos are defined as vehicles with less than 1,000 miles. Used autos may be 10 years old or newer. Payment sample: 36 mo. term per $1,000 borrowed: $30.16 at 5.39% APR. 36 month term only applies to purchases, refinanced loans excluded. Calculate Rates & Payments
2Consult a tax advisor for specific tax implications.
3RCU Auto Services is a wholly owned subsidiary of Redwood Credit Union.
Rates
Forms
Business loan application
*You may bring all completed forms into any RCU branch or mail it to the following address:
Redwood Credit Union
Attn: Business Services
P.O. Box 6104
Santa Rosa, CA 95406-0104
Business Auto & Equipment loan application
Ready to apply?
Schedule a 30-minute call with one of our Loan Officers to guide you through the application process.
Need help?
Whether you’re exploring your options or have questions before applying, our team is here to provide the information and support you need.
Eligibility
Eligibility
To qualify for membership, the businesses’ primary operation must be in Sonoma, Marin, San Francisco, Lake, Napa, Contra Costa or Solano County.
Required documents
Before getting started, we recommend gathering the necessary documents to complete your application. A list of the requirements can be found on our Business Loan Application Checklist.
PPP Forgiveness Application Deadline
Congress passed The Economic Aid Act which changed the deferment period from 6 months post covered period to 10 months post covered period. For example, if your covered period ended June 30, 2021, under the new guidelines the earliest your first loan payment wouldn’t be due until April 2022, and you have until then to request forgiveness. Please use the following calculation to help you identify when your forgiveness will be due:
- PPP borrowers may select a covered period anywhere from 8 weeks to 24 weeks.
- RCU is automatically calculating your loan due date based on a 24-week covered period, if you intend on using a shorter covered period please inform us immediately as this will impact your due date.
- Your correct deadline will be reflected in your online banking account.
If all or part of your PPP loan is not forgiven, your first loan payment will be due the first of the following month after a decision is made by the SBA.
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