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Business & Commercial Loans
Help your business grow and thrive
With financing for everything from inventory to real estate, we’re here to support your business.
Financing for your business
With a business or commercial loan, you can get the cash you need to grow, whether you want to finance new equipment or open a new location.
- Get a competitive, affordable rate.
- Secure your business loan with cash, inventory, equipment, securities, or real estate. Or, talk to us about an unsecured business loan.
- Make payments each month, or pay off your loan anytime with no prepayment penalties.
- Set up automatic loan payments from any financial institution.
Business loans that meet your needs
Business & commercial loans for all kinds of business purposes:
- Cash, equipment, or securities loans ($2,500 and up)
- Inventory loans ($5,000 and up)
- Business vehicle loans ($2,500 and up)
- Real estate loans ($50,000 and up)
- Unsecured loans ($2,500 to $100,000)
Various terms and conditions are available based on collateral.
Business Loan calculator
How it works
1
Qualify for Membership
Call us at 800-525-9094 to see if you qualify for membership.2
Submit Your Application
Once you collect your required documentation and complete your application, you can submit it in person or by email. Call us at 877-646-6670 if you need assistance.3
Get a Decision
After you’re approved, you can set up automatic payments from checking or savings.Business Loan FAQs
In most cases, we can give you a decision on a business loan in just a few weeks. In some cases, we may need to ask you for more details, and then the process takes a little longer.
Our loan applications list all the information and documentation we need to process your application. In some cases, we may ask for additional information after you submit your application, which my delay the decision.
With a secured loan, we use your business assets — such as cash, inventory, equipment, securities, or real estate — as collateral for your business loan. This means that if you can’t make your loan payments, we will use those assets to pay back the loan.
Unsecured loans do not require collateral.
Because secured loans are backed by collateral, they typically have lower interest rates than unsecured loans.
We will request a personal credit report from one or more of the consumer credit bureaus for each of the business owners when you apply for a business or commercial loan. In some cases we will request a business credit report in addition to the personal credit report. You always have the right to ask us if we requested your credit report during the application process.
No, you don’t have to be a member to apply, but you do need to apply and qualify to become a member to accept the loan. But don’t worry—it’s quick and easy to join Alaska USA.
