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Quiz
Which Business Loan is Right for You?
- What do you want to do with your loan?
- I want funds to start a business.
- Do you have a little extra time to work on your application?
- Yes
- Do you have a strong credit history?
- Yes
- You may want to consider an SBA or USDA Guaranteed Loan. These offer some of the lowest rates on the market.
- No
- Do you have collateral available (such as cash in savings) for your loan?
- Yes
- You might be interested in a Secured Line of Credit.
- No
- An Unsecured Line of Credit is probably your best bet.
- Yes
- Do you have collateral available (such as cash in savings) for your loan?
- Yes
- Do you have a strong credit history?
- No
- Do you have collateral available (such as cash in savings) for your loan?
- Yes
- You might be interested in a Secured Line of Credit.
- No
- An Unsecured Business Line of Credit is probably your best bet.
- Yes
- Do you have collateral available (such as cash in savings) for your loan?
- Yes
- Do you have a little extra time to work on your application?
- I want a home office or other facility site (restaurant, shop, factory etc.) for my business.
- Would you like to build or purchase an existing property?
- Purchase an existing property
- It sounds like a Commercial Real Estate Loan might be right for you. You can learn more about our rates and start your application.
- Build something new
- It sounds like a Construction Loan might be right for you.
- Purchase an existing property
- Would you like to build or purchase an existing property?
- I need new equipment to improve or start my business
- It sounds like a Business Equipment Loan may be right for you.
- I need a vehicle (company car, delivery truck etc.) for my business
- It sounds like a Commercial Vehicle Loan may be right for you.
- I want funds to start a business.
What Is It?
Business Secured and Unsecured Lines of Credit from Yolo Federal
This line of credit is as flexible as you are! If you need to cover short term needs for your business—new inventory, projects, or payroll—a line of credit lets you draw money as you need it, instead of giving you the loan in a lump sum. We offer both unsecured and secured lines, which means you can choose whether you’d like to put up collateral or not.
Why Yolo Federal
Let us be your preferred lender
- Reasonable interest rates
- Personalized member service
- A variety of business loans available
FAQs
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What do I need to apply for one of these loans?
The required documents vary based on what type of business you have (non-profit, sole proprietorship, etc.). View the full checklist.
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How do I submit my application?
Once you have completed the Business Loan Package, there are three ways to submit it.
1. By mail:
Yolo FCUAttention: Business Services Department
501 G Street
Davis, CA 956162. By fax: 530-758-1443
3. By email: BusinessSolutions@yolofcu.org
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What's the difference between a secured line of credit and an unsecured line of credit?
A secured line of credit means that you offer up collateral to secure your loan, such as access to your Business’s savings or investments. An unsecured line of credit requires a higher credit score, since it does not require collateral.