Business Loans for Small Businesses in the Miami Valley
Local Business Lending Built on Relationships
At River Valley Credit Union, small businesses aren’t just customers—they’re neighbors. We proudly serve small businesses in the Miami Valley with local decision‑making, personal service, and lenders who take the time to understand your goals. Whether you’re starting out, expanding, or investing in your next opportunity, our business services team is here to help you Dream Big!
Business Loan Options at River Valley Credit Union
Business Term Loans
Reliable funding for planned expenses and growth.
Business term loans provide a lump sum of funding that’s paid back over time with predictable payments. These loans are commonly used for equipment, renovations, or other long‑term investments.
Key Features
- One‑time lump‑sum funding
- Fixed repayment schedule
- Predictable monthly payments
- Ideal for major purchases or expansion
- Local underwriting and support
Business Real Estate Loans
Finance the space where your business grows.
Business real estate loans help you purchase, refinance, or improve commercial property. Owning your space can provide long‑term stability and help build equity for your business.
Key Features
- Purchase or refinance commercial property
- Long‑term financing options
- Competitive rates through a local lender
- Supports owner‑occupied properties
- Relationship‑based lending decisions
Business Credit Cards
Every day spending with added flexibility.
Business credit cards are a convenient way to manage day‑to‑day expenses while keeping business and personal finances separate. They’re great for travel, supplies, and ongoing operational costs.
Key Features
- Easy access to credit
- Helps manage cash flow
- Separates business expenses
- Convenient for everyday purchases
- Supported by local service
Business Vehicle Loans
Get your business on the road.
Business vehicle loans help finance cars, trucks, vans, and work vehicles your business depends on. Whether you’re replacing a vehicle or expanding your fleet, we’ll help you find the right fit.
Key Features
- Finance new or used vehicles
- Competitive local rates
- Flexible repayment options
- Keeps cash available for operations
- Personal service from start to finish
Business Lines of Credit
Flexible access to funds when you need them.
A business line of credit gives you ongoing access to funds to help manage cash flow, cover short‑term needs, or handle unexpected expenses. You only pay interest on what you use.
Key Features
- Revolving access to funds
- Borrow only what you need
- Helps manage seasonal cash flow
- Ideal for operating expenses
- Relationship‑driven approvals
SBA 504 Loans
Long‑term financing for major business investments.
SBA 504 loans are designed to help small businesses finance owner‑occupied commercial real estate or major equipment purchases. These loans offer long terms and competitive rates through a partnership with the SBA.
Key Features
- Designed for small business growth
- Long‑term, fixed‑rate financing
- Ideal for real estate or large equipment
- Lower down payment options
- Guidance from experienced SBA lenders