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Flexible Financing for Your Business Goals
We're here to help you grow your business so you can deliver more to your customers. Act now — reduced rates are available for a limited time.
Reduced Loan Rates for Businesses
You deserve lending rates that help you do more, whether that means growing your business, supporting your customers or planning your next move. At BECU, we provide business banking for where you want to go. We're people helping people.
That's why for a limited time, we're reducing loan rates, providing you more opportunity to invest in what matters most — your business and your customers. Find out what's possible for your business and take advantage of this limited-time opportunity by Dec. 31.
Loans Included in Our Limited Time Offer
Put everyday business expenses to work with opportunities to earn cash back.
- Earn $300 cash back after spending $3,000 in purchases within the first three months2
- No annual fee3
- No foreign transaction fees
- No penalty APR
Manage short-term needs without disrupting operations.
- Promotional 1.00% margin discount4 and annual fee waived for 12 months5 on new lines under $50,000, after which variable rates range from 9.00% to 13.15%
- No origination fee6
- No interest charges until you draw on the line of credit
Upgrade equipment, purchase vehicles7 or take on expansion projects with predictable payments.
- Equipment Loan Promotional rates: 6.67% – 12.13%
- Vehicle Loan Promotional rates: 7.49% - 14.24%
- Terms up to 84 months
- Up to 80% LTV on vehicle loans
Video Banking
Meet with a live member consultant "on-demand"
Monday-Friday, 8 a.m. to 6 p.m. Pacific Time
Saturday, 9 a.m. to 1 p.m. Pacific Time.
Make an Appointment
Set up an in-person or online appointment on a day and time that works best for you.
Frequently Asked Questions
Common business expenses such as office supplies, travel, subscriptions, and other everyday operational costs. You must spend $3,000 within the first three months to receive the $300 cash back.
A line of credit gives you flexible access to money you can draw from as needed and is more ideal for short-term or recurring expenses. A term loan provides a lump sum with fixed payments over time and is better for larger, one-time investments like equipment or vehicles.
Approval times vary by product and application complexity. A business specialist can provide more details, but many small business applications are reviewed within a few business days.
Once approved, you'll receive details about your loan terms and next steps. A business specialist will be available to answer any questions you may have.
1Financing is subject to BECU business membership, credit approval, and other underwriting criteria; not every applicant will qualify.
2$300 CASH BACK AFTER SPENDING $3,000 IN PURCHASES WITHIN THREE (3) MONTHS from account opening: This offer is not available to either (i) current cardholders of this credit card, or (ii) previous cardholders of this credit card who received a new cardholder bonus for this credit card within the last 12 months, (iii) individuals who currently have a Business Credit Card and switch to a Business Cash Back credit card, or (iv) to individuals who have opened a different Business Cash Back Credit Card account within the previous 12 months. You will receive the $300 cash back credit, which you must redeem, as a statement credit only. To qualify and receive your bonus, you must make purchases totaling $3,000 or more in the first three (3) months from account opening. ("Purchases" do not include balance transfers, cash advances, traveler's cheques, foreign currency, money orders, wire transfers, or similar cash-like transactions, lottery tickets, casino gaming chips, racetrack wagers, or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, any fees of any kind, including an annual fee, if applicable.) After qualifying, please allow up to 30 days for bonus to post to your cash back balance. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.
3BECU's business credit card rates in effect as of December 1, 2025, range from 17.24% to 29.24% variable APR and are subject to change without notice. The actual APR will be determined when you apply and will be based on credit worthiness.
4The 1% margin discount for 12 months on a new Business Line of Credit under $50,000 if you apply by December 31, 2025, after which rates may range from 9.00% to 13.15% variable rate, based on your credit worthiness. This rate will vary with the market based with WSJ Prime Rate. Quoted rates effective November 1, 2025.
5The annual fee for a Business Line of Credit ($50 for limits up to $9,999, or $75 for limits up to $49,999,) will be waived for the first year only. The annual fee will be charged to the business line of credit on the 15th of the month closest to the set-up date for the remaining years the loan is open.
6Advertised rate in effect as of November 1, 2025, and is subject to change without notice, rates range from 8.00%-13.15%. Actual rate, subject to credit approval, will be based on applicant credit qualifications and may be higher than the lowest rate available.
7BECU Business Equipment and Vehicle Loans are subject to business membership, credit approval, and other underwriting criteria; not everybody will qualify. Certain restrictions, including geographic restrictions, apply. Advertised rates effective November 1, 2025, and are subject to change. Business Equipment and Vehicle Loan programs, terms and conditions subject to change without notice. Business Equipment and Vehicle Loans may qualify for 0.25% to 0.50% reduced rate. To qualify for 0.50% rate reduction, the six-month average balance in a BECU business deposit account must be equal to or greater than $10,000. 0.25% rate reduction if the six-month average balance in a BECU business deposit account is less than $10,000, accounts have been open less than six months, or for new BECU business members.
8Establishing membership requires a Business Member Share savings account to be opened and maintained; not all applicants will qualify.