Business Loans

Run your business more flexibly and affordably with an array of tailored financing solutions ranging from working capital lines of credit to commercial vehicle loans.

Featured

Commercial Auto Loans

As low as

5.74%

APR*

Purchase, refinance, lease buyout
Quick application
Fast approval
Loans up to $100,000

Person presenting to a team sitting around a table

Apply for a Business Loan at Direct Federal

Apply Now

Business Loan Solutions

Whether you need an entire suite of business lending products, or just a single option, we’ll tailor the perfect solution to the unique needs and goals of your business.

Range of loan products with exceptional rates.
Flexible terms and repayment options.
Expert guidance and personalized solutions.

Explore

Business Loan Products

Line of Credit

Working Capital Line of Credit

Easily manage operational costs

To see the full table, scroll horizontally.

margin

APR¹

As Low As Prime +

0.0774

0.1499

Maximum rate is 18%.

View Disclosures

The rate listed is the Annual Percentage Rate (APR) which is variable and is equal to the Wall Street Journal Prime Rate + 7.74%, 9.24%, or 10.74% based on your creditworthiness. Prime as of 9/18/2025 was 7.25%. Minimum payments of the greater of 1) 3% of the principal balance of your account on the statement date or 2) $25.00. Payments will be applied first to interest accrued at an interest rate of 14.99%, second to any late charges, and third to principal and other charges. The maximum line amount is $50,000. Personal guarantee by business owner greater than 20% is required. Subject to Underwriting. Rates are subject to change.

Vehicle

Commercial Auto Loans

Purchase, refinance, lease buyout
Quick application
Fast approval
Loans up to $100,000

To see the full table, scroll horizontally.

term (months)

Apr¹ As low as

Cost / $1,000

up to 63

0.0539

18.2600

up to 66

0.0549

17.5900

up to 75

0.0599

16.0200

up to 84

0.0699

15.0900

To see the full set of data, scroll horizontally.

term (months)

Apr¹ As low as

Cost / $1,000

up to 63

0.0549

18.3100

up to 66

0.0549

17.5900

up to 75

0.0614

16.0900

up to 81

0.0714

15.5900

To see the full set of data, scroll horizontally.

term (months)

Apr¹ As low as

Cost / $1,000

up to 63

0.0604

18.5600

up to 66

0.0604

17.8500

up to 75

0.0654

16.2800

up to 78

0.0754

16.2600

View Disclosures

The APR is effective as of 02/04/2025 and subject to change. Maximum loan amount is $100,000.00. Maximum indebtedness to one guarantor is $500,000. Personal guarantee by business owner is required. Maximum loan-to-value is 105% (full purchase price plus sales tax). Other terms and conditions may apply. Rates vary based on term, credit score and model year. Subject to credit approval.

Apply for a Business Loan at Direct Federal

Apply Now

Interested in a business loan?

Our relationship bankers are here to help you take the first step.

Send Message

Person standing at a table in front of a business team

empowering your workplace

Direct@Work

Direct@Work is a business banking program designed to enhance the financial wellbeing of both employers and employees. Click below to explore the many benefits of enrolling your business.

Learn More about Direct@Work

Glossary

Not-for-Profit

Direct Federal is a not-for-profit, meaning that earnings are invested right back into the credit union. And that means Direct Federal can offer lower loan rates and higher deposit rates that you simply won't see anywhere else.

get in the know