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Home < Business < Business Lending

Business Services

We understand that making your business profitable means getting the most out of every dollar. That’s why we offer business savings, checking and lending options designed to fit your budget and boost your bottom line. Partner with USF Federal Credit Union and we’ll help simplify your business banking experience, make your business finances a little easier to manage and help you achieve your business goals.

Business Banking
Business Lending

Business Lending

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

Equipment and Vehicle Loans

  • Loans amounts up to $250,000 with max LTV of 80%
  • 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 with max LTV of 80%
  • 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 of 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%



To apply, or discuss how USF FCU can help with your business lending needs, contact our business lending team at 813-569-2000, option 3, then select option 2.  Or, complete the form below and a representative will call you to discuss.


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    For unsecured loans greater than $100,000, equipment and auto loans greater than $250,000, business mortgages for properties <51% owner-occupied, business startup loans and other business services (such as merchant services and payroll); USF FCU has partnered with Newtek Business Services, Inc. to provide a full portfolio of government and conventional lending products. As a full-service, non-bank lender, Newtek Small Business Finance is able to provide a flexible, low-cost lending option that offers longer maturities than conventional loans.


    Learn more about USF FCU Business Lending

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

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