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Business Loans

Smart Financial is committed to helping our business members meet cash flow needs and finance growth. We can help you select the short or long-term borrowing options best suited and tailored to your business's specific needs. Our Business Specialists will take the time to understand your business goals, and provide you customized solutions with competitive rates and flexible payment schedules.

Our Business loan options include:

  • Term Loans
  • Lines of Credit
  • Vehicle Loans
  • Equipment purchases Loans
  • Real Estate
  • Construction Loans

Smart Financial Credit Union is not an approved SBA lender and we will not be offering any SBA loans at this time.

Please apply on line at the SBA web site link below for the following types of loans: Express Bridge Loan (EBL), Payroll Loans(PPP), CARES, and SBA Economic Injury Disaster Loan (EIDL).


How to Apply:

You can apply online for an SBA disaster assistance loan.

You must submit the completed loan application and a signed and dated IRS Form 4506-T giving permission for the IRS to provide SBA your tax return information.

For additional information, please contact the SBA disaster assistance customer service center. Call 1-800-659-2955 (TTY: 1-800-877-8339) or e-mail