With financing for everything from inventory to real estate, we’re here to support 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.
Business & commercial loans for all kinds of business purposes:
Various terms and conditions are available based on collateral.
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.
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