Business
Micro
Loans
Fuel Your Growth. Strengthen Your Business.
At Financial Resources Federal Credit Union, we believe small businesses are the backbone of our community, and access to capital shouldn’t stand in the way of your success. That’s why we’re proud to offer our Business Micro Loans, designed to give local entrepreneurs the flexible, affordable financing they need to grow, stabilize, or take on new opportunities.
Whether you’re expanding operations, purchasing inventory, managing cash flow, or covering unexpected expenses, our Business Micro Term Loan and Business Micro Line of Credit are built to support the unique needs of small businesses in our community.
Small Business Micro Term Loan
- Borrow up to $49,999.99
- Terms up to 60 months, fully amortizing
- Ideal for equipment, improvement, inventory, and long-term investments
Small Business Micro Line of Credit
- Borrow up to $49,999.99
- Terms up to 36 months
- Interest-only payments with a balloon payment at maturity
- Perfect for working capital and short-term cash flow needs
Why Choose Our Business Micro Loan?
- Competitive rates and flexible terms up to 5 years
- Quick access to capital with often same-day decision-making*
- Fast, streamlined application process
- No heavy collateral requirements
- Designed specifically for small businesses in our local footprint
What You’ll Need to Qualify
- Business must operate within 25 miles of an FRFCU branch
- At least 2 years in business
- Guarantor with a minimum credit score of 640
- Business bank account with an average balance of $3,000+
- Annual business revenue of $100,000+
About Financial Resources FCU
We’re more than just a credit union; we’re a financial partner committed to empowering the people and businesses that make our communities strong. As a member-owned, not-for-profit institution, we reinvest in our neighborhoods and local businesses by providing accessible, mission-driven solutions that support sustainable growth. When you work with FRFCU, you gain more than funding, you gain a trusted partner invested in your success.
*All loans are subject to credit approval. Not all will qualify for the lowest rate. Rates based on individual credit circumstances. Rates are subject to change at any time without notice. Minimum loan amount of $5,000. Maximum loan amount of $49,999.99. Membership eligibility required. Federally Insured by NCUA.