Business Loans


HVFCU offers the financing you need to expand, improve, or refinance your business.

As a local financial partner, HVFCU offers comprehensive solutions to help businesses become more efficient and profitable. We have a variety of commercial loan products with low rates and attractive terms, including business lines of credit, term loans, business credit cards and more.

Email us or stop into any of our branches for assistance.

Our seasoned loan professionals understand the challenges your practice faces and create financing options to meet your specific needs. Whether you’re looking to move to electronic medical recordkeeping or upgrade to the latest imaging or portable medical equipment, we’ll help secure the financing you need to achieve your goals.

Competitive Rates and Local Decisions

  • With some of the lowest fixed rates in the market and local decision making, you can obtain the financing that works for your practice – and your timeframe.

No Pre-payment Penalties

  • We offer equipment loans in amounts up to $750,000 with a maximum term of up to 15 years with a 25-year amortization. You can also repay it sooner as your cash flow allows because at HVFCU, there are no pre-payment penalties.

Applying for a Loan

All of our business loans are processed by our Business Services Department. If you have any questions or request additional information please email us or stop by any one of local branches. If you are ready to submit your loan application, please submit our Business Loan Application , along with the required information listed, to your nearest branch.

To assist with the loan process, please refer to our Business Loan Checklist when applying for a loan.

SBA 504 Loans

All businesses, including those businesses that have been in operation for less than two years, may qualify for a loan through the United States Small Business Administration. Working with Certified Development Companies throughout the Hudson Valley, HVFCU can process loans through the SBA 504 Loan Program. This program is designed to help growing businesses acquire fixed assets including land, buildings or equipment to help expand their business operations and create new jobs. Under this program, HVFCU lends 50% of the project cost, SBA lends 35-40% of the project cost, and the borrowing business provides the remaining 10-15% of the project cost.

© 2016 Hudson Valley Federal Credit Union

PO Box 1071, Poughkeepsie, NY 12602-1071
ph: 845.463.3011 / 800.468.3011

Routing Number : 221979363
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