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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

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% on restaurant and gas net purchases, and 1% on all other eligible net purchases.

Plus get $25 cash back1 after your first purchase.

Learn More | Apply Today
Visa Credit Card

Bonus Point Rewards

Visa® Business Bonus Rewards Card

Watch your rewards add up fast with 1 point for every $1 you spend on eligible net purchases, and receive automatic bonus points each month.

Plus get $25 cash back1 after your first purchase.

Learn More | Apply Today
Visa Credit Card

Bonus Point Rewards PLUS

Visa® Business Bonus Rewards PLUS Card

Watch your rewards add up even faster with 1 point for every $1 you spend on eligible net purchases, and receive even more automatic bonus points each month.

Plus get $50 cash back1 after your first purchase—all with a low annual fee.

Learn More | Apply Today

1 Reward points can be redeemed as a cash deposit to a checking or savings account or as a statement credit to your credit card account. First-purchase bonus points will be applied six to eight weeks after first purchase and are not awarded for balance transfers or cash advances. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., Mastercard International Incorporated, and American Express. Mastercard is a registered trademark of Mastercard International Incorporated. American Express is a federally registered service mark of American Express.

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Harborstone Credit Union

Copyright © 2017 Harborstone Credit Union.
All rights reserved.

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

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