Business Loans

Supporting Businesses in East Tennessee

Since 1934, we’ve helped businesses and communities throughout East Tennessee achieve their financial goals. When your business needs financing, you need a lender that understands your market and responds quickly.

Benefits of financing with KTVAECU^® include:

Competitive loan rates and terms
Local lending decisions
Personalized guidance from experienced business lenders
Flexible financing solutions
Fast response times
Support for businesses at every stage of growth

Open sign for business.

Term & Real Estate Loans

Business Term Loans ¹

Business Term Loans allow a business to borrow funds over a set period of time. Use Business Term Loans to expand or modernize your facilities or purchase business-use automobiles, including:

Cars
Pickup trucks
SUVs & Vans
Box trucks
Commercial equipment

Loan terms are based on the life of the asset being financed, helping you manage payments while investing in your business’s future.

Commercial Real Estate Loans ²

Whether you’re purchasing, refinancing, or leveraging equity in a commercial property, our commercial real estate financing solutions can help. We finance a variety of property types, including:

Office and professional buildings
Retail properties
Medical and senior living facilities
Churches and nonprofit properties
Rental properties (single and multifamily)

Our lending specialists will help evaluate your goals and identify the financing solution that best supports your business strategy.

Local Business Lending Expertise

As a local Credit Union serving East Tennessee, we understand the unique needs of business owners in our communities. Our team provides personalized support throughout the lending process, helping you secure financing with confidence.

Whether you’re purchasing equipment, expanding your facilities, or investing in commercial real estate, we’re here to help your business move forward.

Business Loans Frequently Asked Questions

What is a business term loan?

A business term loan provides a lump sum of financing that is repaid over a fixed period of time. These loans are commonly used for equipment, vehicles, and expansion projects.
What can a business loan be used for?

Business loans can be used for equipment purchases, vehicle financing, business expansion, facility improvements, technology upgrades, and commercial real estate investments.
What types of commercial properties can be financed?

Commercial real estate loans may be available for office buildings, retail locations, medical facilities, churches, nonprofit organizations, senior living facilities, and rental properties.
How do I apply for a business loan?

Contact us to discuss your financing needs. We’ll guide you through the application process and help determine the best loan option for your business.
How long does the business loan approval process take?

Approval timelines vary depending on the loan type and complexity of the request. Our business lending team works to provide timely decisions and guide you through each step of the process.
Why choose KTVAECU for business financing?

KTVAECU provides competitive rates, local decision-making, personalized service, and relationship-based lending that helps support long-term business growth.

Disclosures

¹ APR = Annual Percentage Rate. Some restrictions may apply. Ask for details. Rates based on creditworthiness.

² APR = Annual Percentage Rate. Restrictions may apply. Not a government-affiliated agency. All applications are subject to underwriting guidelines and approval. Rates based on creditworthiness. Ask for details.

Loans to Grow Your Business

Supporting Businesses in East Tennessee

Local Business Lending Expertise

Business Loans Frequently Asked Questions