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Business Line of Credit

Easily cover the costs of your business

Our small business lines of credit lets you borrow what you need, when you need it, to keep operating your business.


Running a business takes a lot of capital, which is why we offer business lines of credit—so you can rest easy knowing you have the ability to cover your costs when you need it.


Unsecured line of credit

Get a line of credit with no collateral needed.

Secured line of credit up to $4,000,000

Get more funds to use for your business.

Flexible terms

Secure your funds for anywhere from 12 to 60 months.

No loan fees on lines up to $49,999

Save more money with no loan fees.

Good to know

Documentation and loan fees

Credit lines of $50,000 and over have a documentation fee from $250 and loan fee of 0.25% to 1%.

Third party expenses

Additional third party expenses may apply for secured loans (i.e., appraisal, inspection, reports, etc.).

Variable interest rates

Most lines of credit over $50,000 will have a variable interest rate.

Collateral options

For secured lines of credit, accounts receivable, inventory, or other business assets are often used as collateral.

How to get a business line of credit

It takes just minutes.

  • 1

    Complete an online application

    You'll need your Social Security number and driver license.

  • 2

    Start borrowing

    Get the cash you need, when you need it.

  • 3

    Manage your money online

    Easily manage your money with online and mobile banking.

Mike and Jenny share their journey of starting a new business with support from RCU, and what local banking means to them.

Why Choose RCU?

At RCU, we’re passionate about helping our Members improve their lives. If you want a credit union that keeps your unique needs in mind and helps you envision and manage your financial future, the friendly experts at RCU are here for you.

America's Best Credit Unions by Newsweek 2024

Named one of America’s Best Credit Unions by Newsweek

America's Best Small Employers by Forbes 2023

Recognized by Forbes as one of America’s Best Small Employers 2023

Have a question?

At RCU, we're known for our reliable service, and we'll answer your questions and calls quickly.

Access available cash flow when you need it

Secure the funds you need to keep your business running smoothly.