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SBA Loans

Designed to help small businesses grow.

Commercial Real Estate Loans

Truliant helps you navigate small business loans.

  • Flexible financing
  • Custom-tailored to your business
  • Online bill pay
  • Low, fixed rates

Small businesses are the backbone of a thriving community. As one of the top North Carolina 7(a) Loan Program lenders for helping start up and existing small businesses, Truliant Federal Credit Union's knowledge and experience with SBA loans can make the process seamless for your businesses.

Truliant offers multiple SBA loan options to fit your individual needs.

The SBA offers affordable loans with low down payments and longer payment terms than traditional loans, and business owners have access to more funds at highly competitive, long-term fixed rates. As a preferred lender for the SBA, we are experienced in helping our members navigate the process to find solutions that best meet your needs.

SBA Loan Options

  • SBA Express with lines of credit or term loans up to $350,000
  • SBA 7a with term loans up to $5,000,000
  • SBA 504 with term loans up to $5,500,000

Why Truliant Credit Union?

Truliant offers local, customized service designed to give you exactly what you need to improve your business's financial positioning leading to increased economic health for you and our community. And, not only can we help you obtain the funding you need to launch your upstart, but we can also help if you have an established business that simply needs an infusion of cash.

Contact us today to discuss terms, rates and more. We’re here for you and have dedicated Business Officers to help you through the process. Truliant has been serving our communities for more than 60 years, and we want to help your business grow. It’s good for you, it’s good for us and it’s good for our communities.

What should I expect when applying for a business loan?

  1. Fill out Truliant's Business Loan Application

  2. Make an appointment with a Business Loan officer or deliver your application to your closest Member Financial Center.

  3. Our loan officer will then help you through the process to answer questions and expedite your loan application.

  4. Once we have made a decision, usually in less than two business days, we will reach out to discuss the details of your loan.

  5. Whenever you're ready, your funds will be too.

Why an SBA Loan?

Not only do SBA loans require a lower down payment, but they also have significantly longer repayment terms. SBA loans also provide business owners more funding at a lower financing cost than conventional loans.
 
In addition the competitive rates and extended term options, loan approvals happen locally, so you’ll work Business Officers who understand your company’s value to the community.

What is the difference between a SBA and USDA loan?

While the SBA and USDA loans are quite similar, there are a few notable differences between the two loans.

SBA loans tend to be smaller loans, typically no larger than $5 million, whereas USDA loans can be up to $25 million. Because of this, USDA loans tend to include large fees and guarantees as opposed to SBA loans.

You can learn the differences between these two loan types to better help you with your future loans at the Federal SBA website.

Business Loan Tools and Resources

Other Products

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USDA Loans

Expand your business while helping your rural community with Truliant.

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Business VISA Credit Card

Enjoy worldwide acceptance, a low rate, no annual fee and so much more.

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General Liability Insurance

When looking for business insurance, you can always start with us.

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Workers Compensation

Protect your employees with this important business insurance through Truliant Insurance Services.

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Rates and terms are subject to change. Loans are subject to credit approval.