Business Loans for the Locally Owned.

We know you’re out there hustling every day, putting in the hard work to make your business thrive. You've worked years to build your business and now let Frontwave Credit Union help you expand it. We’re here to match your needs with our commitment to support you. At Frontwave Credit Union, we’re proud to offer a range of lending options tailored for hardworking business owners like you.

Vehicle Loans1

Rates starting as low as 6.75 APR*

Reliable transportation isn’t a luxury for a small business - it’s a necessity. Frontwave has your back when you need a new or used car, truck, trailer or van to keep your business rolling. Our competitive and flexible financing options are designed to meet your specific needs, helping your business grow and thrive.

Equipment Loans2

Rates starting as low as 6.75 APR*

Having the right equipment is crucial for your business’s success. Frontwave is here whether you need new technology or equipment to keep your medical or dental practice, restaurant, construction site or service running. Leverage your business’s assets to increase the flexibility of your equipment loan to take advantage of lower rates and higher credit limits.

Secured Loans3

Rates starting as low as 6.75 APR*

Maximize Your Business Potential with Secured Lines of Credit. Our Secured Lines of Credit deliver a dependable and versatile financing solution for businesses with assets to leverage. Whether you're managing cash flow, investing in growth, or covering unexpected costs, our secured credit lines offer the robust financial support your business demands.

Unsecured Loans4

Rates starting as low as 7.75 APR*

Need a flexible financing solution to fuel your business growth? Our Unsecured Lines of Credit give you access to funds without collateral for your established business, providing the financial freedom your business demands.

Business Equity Line of Credit (BELOC)

Leverage the equity in your business property to secure a flexible line of credit ranging from $50,000 to $500,000. Whether you’re looking to expand, renovate or boost working capital, our Business Equity Line of Credit puts the money you need at your fingertips.

Commercial Real Estate

Stop paying rent and start investing in your future. With a Commercial Real Estate Loan, you can purchase or refinance office space, industrial facilities, mixed-use properties, or multifamily units - building equity while securing a permanent home for your business.

Ready to Elevate Your
Business?

We understand the challenges you face, and we’re here to work just as hard to help you overcome them!

Disclaimers

*APR = Annual Percentage Rate. The rates listed are effective as of 12/15/2025 and are subject to change without notice.

1. Membership qualifications apply. Rates, terms and conditions may vary and depend on several factors, such as the borrower's creditworthiness, income verification, loan-to-value ratio, etc. A fixed-rate commercial vehicle loan with an 7.50% APR is based on your credit score, LTV of 80% or less, and loan amount between $5,000 and $350,000 with repayment terms of up to 36 months. All commercial vehicle loans require a clean title with Frontwave Credit Union as the verified lienholder, a Personal Guaranty and must pay a $150 origination fee. A monthly payment based on an 8.25% APR for 60 months is approximately $20.40 per $1,000 financed.

2. Membership qualifications apply. Rates, terms and conditions may vary and depend on several factors, such as the borrower's creditworthiness, income verification, loan-to-value ratio, etc. A fixed-rate commercial equipment loan with an 7.50% APR is based on your credit score, LTV of 80% or less, and loan amount between $5,000 and $250,000 with repayment terms of up to 36 months. All commercial equipment loans will require a Uniform Commercial Code-1 (UCC-1) filing and/or a clean title with Frontwave Credit Union as the verified lienholder depending on collateral type, a Personal Guaranty and must pay a $150 origination fee. A monthly payment based on an 8.25% APR for 60 months is approximately $20.40 per $1,000 financed.

3. Membership qualifications apply. Rates, terms and conditions may vary and depend on several factors, such as the borrower's creditworthiness, income verification, loan-to-value ratio, etc. A non-vehicle secured business line of credit with a 7.50% APR is based on your credit score, LTV of 80% or less, and line of credit between $5,000 and $250,000. A 20% down payment will be required for secured loans. All non-vehicle secured business lines of credit will require a Uniform Commercial Code-1 (UCC-1) and a Personal Guaranty. Secured line of credit accounts have a $200 annual fee. An interest-only monthly payment based on an 9.00% APR is approximately $7.50 per $1,000.

4. Membership qualifications apply. Rates, terms and conditions may vary and depend on several factors, such as the borrower's creditworthiness, income verification, etc. An unsecured business line of credit with a 8.50% APR is based on your credit score and line of credit between $5,000 and $250,000. All unsecured business lines of credit require a Personal Guaranty. Unsecured line of credit accounts have a $100 annual fee. An interest-only monthly payment based on a 10.00% APR is approximately $8.33 per $1,000.