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Alternatives will be closed Monday, November 11th in honor of Veterans' Day

We will reopen normal business hours on Tuesday, November 12th. Access you account 24/7 through online banking and our mobile app.

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Routing #: 221381867

Line of Credit

Flexible Financing for Your Business Needs

Cash flow challenges are common in business operations, whether for maintaining inventory, managing day-to-day expenses, or seizing unexpected opportunities. A line of Credit is designed to provide a flexible and reliable financial safety net for your business, secured by business assets to ensure funds are available whenever you need them. 

This financial tool is essential for every small business and non-profit, providing a ready solution for opportunities, emergencies, or to cover inadvertent overdrafts.

*All loans subject to approval.

Key Benefits of Our Line of Credit

  • Accessible Financing: Easily access funds whenever you need them.
  • Secured and Unsecured Options: Choose the line of credit that best fits your business’s financial needs, whether secured by assets or not.
  • Competitive Rates: Enjoy low interest rates that make borrowing affordable.
  • Flexible Usage: Use your line of credit for various business needs, such as:
    • Maintaining inventory levels
    • Taking advantage of trade discounts
    • Providing working capital
    • And more
  • Revolving Credit: Reuse your line of credit without needing to reapply, providing continuous access to funds whenever you need them.
  • Cost-Effective: Benefit from low monthly repayment options, making it an affordable way to manage cash flow.
  • Personalized Service: Get personal, friendly support from application to ongoing management of your line of credit.

Business Lending Support

Business lending is highly regulated by federal laws, which can be frustrating for many small business applicants. To help you navigate this process, our Business Development Consultants are here to provide the support you need to submit the best loan application possible.

Support Our Mission!

Unlike traditional banks, we specialize in lending to individuals, organizations, and businesses in under-resourced communities, offering financial education, business coaching, and low-interest rate loans that increase economic potential and help build wealth.

Join Us!

Speak with a Financial Coach

No need to figure it out yourself, coaches can provide help with money management, paying bills, building credit and housing issues. Speak with a financial coach through our non-profit partner, Balance.

Schedule an Appointment