Business Lending

USF FCU offers business loans for established companies with two years of business and personal tax returns available. For startups or businesses less than two years old, we've partnered with Newtek Small Business Finance.

For information on the Paycheck Protection Program loan for small businesses, visit this page for details and to apply.

Equipment and Vehicle Loans

  • Loan amounts up to $250,000 and up to 80% of the vehicle/equipment's value
  • Terms up to 60 months
  • Fixed rate based on Prime, as low as Prime + 0.75%

Real Estate

  • Available for office and multi-family use
  • Loan amounts up to $250,000 and up to 80% of the property's value
  • Property must be >50% owner-occupied
  • Terms up to 15 years
  • Rates as low as Prime + 1.00%, with rate reset at 60 months

Installment Loans

  • Unsecured fixed-rate loan with terms up to 60 months with limits up to $100,000. Rates as low as Prime + 1.25%
  • Share Secured installment loan available with terms up to 60 months and a fixed rate based on Prime - 1.00%

Lines of Credit

  • Unsecured Line of Credit up to $100,000 with variable rates as low as Prime + 1.50%
  • Share Secured Line of Credit available with a variable rate of Prime - 1.00%

Credit Cards

  • Sole Proprietor Visa with limits up to $5,000 and a variable rate as low as Prime + 8.00%
  • Business Visa with limits up to $100,000 and a variable rate as low as Prime + 8.00%
  • Share Secured Visa with a variable rate of Prime + 5.74%


View Rates


To apply, or discuss how USF FCU can help with your business lending needs, contact our business lending team at 813.569.2000, option 2, and then press 0.  Or, complete the form below and a representative will call you to discuss.

* *Required
Loan Interest:
Captcha (What's this?):


*APR= Annual Percentage Rate. Variable rate  loan product rates may change after account opening. Subject to loan approval. Rate may vary upon credit rating.

Go to main navigation