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Business Loans & Credit Cards

Business Loans & Credit Cards

We understand that flexibility and expediency are key when investing in your business in a fast-paced market. Harborstone provides attractive financing options for every aspect of your operations, including equipment purchases, day-to-day cash flow, and building or acquiring commercial property. Our savvy business team loves to help our local business community prosper, and most of our loan decisions are made the same day you apply. Let us match you to the loan that best fits your business.

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BUSINESS LINE OF CREDIT DETAILS

With a business line of credit, seasonal fluctuations can be handled a bit more comfortably, payroll needn't be delayed, and every day is covered. Your business line of credit can also protect you against checking account overdrafts and fees.

Available when you need it.

Funds are advanced from the line directly into your business savings or checking account, so the possibilities are endless!

Can be used to fund accounts receivable or working capital.

Contact a business lender and find out how a business line of credit can work for you.

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COMMERCIAL REAL ESTATE LOAN DETAILS

If you're looking to purchase retail or office space, refinance existing business property, or fund new construction projects, our commercial real estate loans can help fund your long-term investments.

Purchase retail or office space outright as a long-term investment.

Build your ideal space with new construction financing.

Refinance existing business property.

Build an investment portfolio with owner- and non-owner-occupied commercial real estate.

Loan lump sum is paid out, except for new construction.

Contact a business lender and find out how a commercial real estate loan can work for you.

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EQUIPMENT LOAN DETAILS

If your business is involved in manufacturing, packaging, or production, you may have diverse equipment needs. Sometimes it doesn't make sense to purchase expensive commercial equipment upfront. Instead, spread the cost of your equipment out over the life of a Harborstone equipment loan.

Lump sum is paid for equipment.

Can help make equipment ownership possible.

Contact a business lender and find out how an equipment loan can work for you.

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SMALL BUSINESS ADMINISTRATION LOAN DETAILS

A Small Business Administration loan is a tool for economic development that allows businesses to retain cash for working capital. It provides a growing business with fixed-rate financing for major assets, such as land and buildings.

 

SBA 504 PROJECTS TYPICALLY INCLUDE:

A loan from Harborstone that covers up to 50% of the cost.

A second loan from a certified development company that covers up to 40%.

A contribution of 10% from the borrower.

A 20-year fixed rate.

SBA 7(a) DETAILS:

Proceeds can be used for working capital, inventory purchase, fixed-asset purchase, and facility expansion or remodeling.

Loan terms up to seven years are available for working capital and inventory uses.

Loan terms up to 10 years are available for fixed-asset needs.

Loan terms up to 25 years are available for commercial real estate.

Contact a business lender and find out how SBA financing can work for you.

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BUSINESS CREDIT CARD DETAILS

Choosing the right business credit card is easier than ever.

All of our business credit cards come with award-winning expense management tools, free employee cards, EMV smart chip technology for added security, and mobile purchasing capability (Apple Pay®, Android Pay®, Samsung Pay®, and Microsoft Wallet) for added convenience.

Apply for a Credit Card Learn About Mobile Payment Options Manage Credit Card Account
Visa Credit Card

Flexible Cash Rewards

Visa® Business Cash Card

Earn cash back1 every time you use your card: 3% on office supply store net purchases and phone/internet services,2,4 2% on restaurant and gas net purchases, and 1% on all other eligible net purchases.

Plus get $25 cash back1 after your first purchase.3

Learn More | Apply Today
Visa Credit Card

Rewards Your Way

Visa® Business Real Rewards Card

Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back).5

Plus earn 2,500 bonus rewards points afteryour first purchase.3

Learn More | Apply Today
Visa Credit Card

Rewards Your Way PLUS

Visa® Business Rewards PLUS Card

Earn three points monthly for every $1 you spend the most on: cell phone service, hotel, or airline.6 Earn 1.5 points monthly for every $1 you spend on eligible net purchases.

Plus earn 20,000 one-time bonus rewards points after you spend $2,000 in the first three months.3

Learn More | Apply Today
Visa Credit Card

Pay Down Balances

Visa® Business Platinum Card

Save on interest with a great low introductory rate for an extended time. Pay down other credit card balances faster with this non-rewards card.

Learn More | Apply Today

1 Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution or as a statement credit to your credit card account within one to two billing cycles.

2Cash Rewards Card: Cash back rewards are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point is equal to $0.01. You may simply see "cash back" in material when referring to the rewards you earn. You will earn one reward point for each dollar of eligible net purchases charged to your account during each billing cycle. You will also earn two additional points (for a total of three points) for each dollar of net purchases charged to your account during each billing cycle at merchant locations that are classified in the merchant category code as office supplies or cell phone, landline, internet, and cable TV services. You will earn one additional point (for a total of two points) for each dollar of net purchases charged to your account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations or restaurants. The number of additional points earned on office supply store purchases, cell phone, landline, internet, and cable TV services, automated fuel dispensers, and service stations or restaurants is unlimited. Points expire five years from the end of the quarter in which they are earned.

3Bonus rewards points or cash back will be applied six to eight weeks after first purchase and are not awarded for balance transfers or cash advances. One-time bonus rewards will be awarded after eligible net purchases totaling $2,000 or more are made to your account within three months from account opening.

4The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as advances, balance transfers, and convenience checks. Upon approval, see your Cardmember Agreement for details. You may not redeem points, and you will immediately lose all of your points, if your Account is closed to future transactions (including, but not limited to, due to program misuse, failure to pay, bankruptcy, or death).

5Real Rewards: You will earn 1.5 reward points for each dollar of eligible Net Purchases made with your account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.

6Rewards PLUS: Points expire five years from the end of the quarter in which they are earned. You will earn 1.5 reward points for each dollar of eligible net purchases made with your account. You may earn additional points for purchases at merchants that are classified as: airlines, cell phone services, or hotels (each, a "Category"). You will earn an additional 1.5 reward points (for a total of three reward points) for each dollar of net purchases in the one category that has the highest total net purchases charged to your account during each billing cycle.

The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.

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Harborstone Credit Union

Copyright © 2018 Harborstone Credit Union
All rights reserved.

P.O. Box 4207, Tacoma, WA 98438-0207
Transit/ABA Routing Number: 325180870

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