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Commercial Loans

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Commercial Loans

Lending Options to Grow Your Business

Whether you're starting out small or thinking big, the lending resources you need for your business are right here at Apple FCU.

Contact a Commercial Services Expert at 703-788-4800 to get started.

Term Loans

Does your business have the right loan to grow? Whether its funding equipment, machinery or upgrading your current facility. Our term loans offer great rates, low-fees and flexible terms.

Features

  • Competitive Interest Rates and Low Fee's
  • Flexible Terms & Conditions
  • Dedicated Commercial Lender assigned to your account relationship

Equipment Financing

Do you need financing for any of your equipment purchases? We finance all types of equipment. Whether you need to furnish your new office, purchase machinery or both, we offer competitive rates and terms for all your business equipment needs.

Features

  • Terms up to 10 years or useful life
  • Competitive Interest Rates and Low Fee's
  • Flexible Terms & Conditions
  • Dedicated Commercial Lender assigned to your account relationship

Working Capital Line of Credit

Get cash for your business when and where you need it. For the ongoing working capital or immediate cash needs of your business, Apple's Working Capital of Credit offers a convenient and efficient way to meet your day-to-day cash flow needs.

Features

  • Competitive Interest Rates and Low Fee's
  • Flexible Terms & Conditions
  • Dedicated Commercial Lender assigned to your account relationship

Commercial Real Estate Loans

Does your business need more space? Whether buying a new building or refinancing an existing loan, we can help with commercial mortgages for both owner-occupied and investment real estate of all types. We offer competitive market rates, flexible terms and fast approval times.

If you still have questions, view some frequently asked questions below.

Features

  • Up to 80% loan to value (LTV) on most properties; 60-65% LTV on specialty properties
  • Competitive loan rates
  • Low Fee's
  • No prepayment penalty
  • Flexible terms and conditions
  • Fast approval times
  • LOCAL Underwriting & LOCAL Decision Making

SBA 504 Loans

Long-term fixed rate financing for major fixed asset purchases The SBA 504 Loan Program makes it easy to obtain long-term fixed rate financing for major fixed asset purchases such as office buildings, retail space, warehouse facilities, machinery and equipment.

Features

  • Competitive Interest Rates and Low Fee's
  • Flexible Terms & Conditions
  • Dedicated Commercial Lender assigned to your account relationship

Vehicle Loans

We have many affordable, flexible options that make it easy to buy your next commercial vehicle or refinance your existing one. Best for cars, light-duty trucks, SUV's, heavy duty or "special use" vehicles trucks and vans.

Features

  • Available for both purchase and refinancing
  • No prepayment penalties and competitive fixed rates
  • Commercial fleet vehicles up to 80% financing
  • Terms up to 84 months
  • Loan amount must exceed $50,000, after the down payment requirement has been met
  • Low Fee's; $150 origination; lien search and recording fees may apply and vary by state

Credit Cards

Get back to business with the worldwide spending power of an Apple FCU Visa® Business Rewards Card. Manage expenses and cash flow with time-saving tools and fraud-fighting features, all while earning points redeemable for cash, gift cards and more!

If you still have questions, view some frequently asked questions below.

Features

  • Credit Lines up to $50,000
  • No annual fee and low, variable rates
  • Enjoy peace of mind with Visa's Zero Liability policy and 24/7 account screening
  • Track expenses easily online or in app with account reconciliation, set-up multiple users and create subaccounts
  • Help manage daily cash management and detailed reporting and tracking tools

Meet Our Team

Kishor Karki

Kishor Karki

Regional Vice President,
Fairfax County

Kishor has served commercial members since the launch of Commercial Services at Apple in 2009. He is well-versed in lending to various types of businesses and asset classes. He strives to identify the true needs of our business members and can structure the loan to best meet their needs. He has an extensive background in commercial, industrial, construction, office and hospitality lending. He is also experienced in SBA loans.

Paul Flood

Paul Flood

Regional Vice President,
Commercial Lending

Paul joined Apple in 2021 after 26 years in the small business and commercial banking lending industry. Paul leapt at the opportunity to bring the benefits of Apple FCU membership to the world of small business and commercial lending. His specialty is Owner Occupied and Commercial Real Estate Investment Lending. He is passionate about helping his small business members and using his expertise to identify the best option for the individuals.

Eddie Thomason

Eddie Thomason

Commercial Portfolio Specialist

Eddie's tenure with Apple began in 2018 and he believes that outstanding member service is paramount to a successful banking relationship. Working with both small and mid-size businesses, he strives to identify the right solutions based on individual needs, such as Working Capital Lines of Credit, credit cards, real estate financing or cash management products. As a member of the Commercial Services team, Eddie is more than a banker – rather a partner in your company's progress.

Frequently Asked Questions

We require at least 20% of the purchase price to be utilized towards the down payment. However, there is the SBA 504 program, which requires as little as 10% down. Please call for more details.

The first step is identifying a property you would like to purchase. At a minimum, determine the approximate amount of financing you will need to acquire the property. Next, you must gather all the financial documents that the lender requires. Finally, sit down with one of our Commercial Lending officers to discuss the project in detail, and they can walk you through various financing options.

As a rule, you should provide at least three years of both personal and business financial documentation. This includes a personal financial statement from each owner. Please keep in mind that your banker would rather have more information than less to make an informed decision.

The loan term for a commercial property is typically 5, 7 or 10 years. The amortization period is usually 20 or 25 years. On a case-by-case basis, 30-year amortizations may be considered.

We can finance deals anywhere from as little as $50,0000 to as much as $10 million and possibly more. If your project exceeds $10 million, please speak with a Loan Officer to discuss details.

From the time of application and receipt of all financial documentation, a decision is usually rendered in as little as 5 to 7 days.

Business credit cards are a helpful tool to track spending, earn rewards and even save money. Once a business is approved for an Apple FCU Visa Business Rewards card, it will be given access to a revolving line of credit with a set credit limit, a competitive interest rate and no annual fee. The business can utilize the credit card to pay bills, make purchases and track expenses monthly. There is also the opportunity to earn rewards with every purchase through Visa's MyRewards program.

Applying for a business credit card is quick and easy. Simply contact a Commercial Services Expert at 703-788-4800 to get started.

With an Apple FCU Visa Business Rewards Card, you will have access to benefits like:

  • Competitive interest rates
  • No annual fees
  • Rewards on every purchase
  • Expense-tracking features
  • Flexible spending limits

Credit limits are set to meet the needs of each individual business. They may be as high as $50,000 or as low as $2,500.

No, we don't charge an annual fee for the Apple FCU Visa Business Rewards card.

No, we make it easy to manage your card through Online Banking and the Apple FCU Mobile App. You may view transactions, pay your bill, or monitor your account.

You may access your Visa MyRewards directly through Online Banking. Simply log in, click Accounts and go to the View Card Rewards menu to view your accumulated rewards.

To review your credit limit needs, please contact a Commercial Services Expert at 703-788-4800.

Credit limits will be reviewed on an as-needed basis. At a minimum, we review credit limits once per year.