Business Loans

Helping Your Business Thrive
Today, Tomorrow and Beyond

Navy Federal offers a wide variety of loans, as well as great Business Services advisors who can help you make the best choice for your business.

For loan requests of up to $50,000, existing Business Members can apply online for the following products:

  • Term Loans*
  • Vehicle Loans* (limited to passenger vehicle)
  • Business Credit Cards
  • Business Checking Line of Credit (CLOC) - up to a maximum of $15,000

For requests greater than $50,000 or for any request involving real property, contact our Business Development Team at 1-877-418-1462.

For example:

Product Application Amount
Term Loan for Business $25,000
Business Credit Card $15,000
Business Checking Line of Credit $10,000

*When applying for a term loan for the purchase of an item or for a vehicle loan, you must include a purchase order, bill of sale or invoice with your application. For loan requests involving real property, please contact your Business Development Officer. Applications submitted without supporting documentation will be subject to delayed processing.


How to Apply

To submit an application online, you must have an existing Business membership in good standing. If you don't have a Business membership account, start your Business membership today.

In order to apply, follow the simple process below:

  1. Print the application form and Beneficial Owner Form (if required).
  2. Sign the completed form(s), scan it and save as a PDF or JPEG file.
  3. Submit your application form and Beneficial Owner Form (if required) along with any supporting documents via our Business Loan Application Submission Link.

Please allow two to three business days to process a fully completed application.

If you have any questions, you can call Business Services at 1-877-418-1462, 8 am to 6 pm, ET, Monday through Friday.

Browse Our Business Loans

Secured & Unsecured Term Loans
Your business has room to grow, and Navy Federal has term loans to fit your financial needs.
  • Working capital financing
  • Equipment purchases
  • Leasehold improvements
  • SBA loans for startup and/or less-tenured businesses
  • No prepayment penalties
Commercial Vehicle Loans
Get your business rolling in the right direction with a commercial vehicle loan from Navy Federal.
  • Competitive rates
  • Up to 80% financing on qualified vehicles
  • Vehicles must be titled in the business' name
  • No prepayment penalties
Business Lines of Credit
Let us help you with your short-term financial needs.
  • Overdraft protection for your business checking
  • Bridge gaps between accounts receivable and accounts payable
Commercial Real Estate Loans
Navy Federal can help you be your own landlord.
  • Commercial-use properties of all types
  • Variety of repayment terms
  • No prepayment penalties
Investment Property Loans
Reap the rewards of an investment property loan from
Navy Federal.
  • Low interest rates
  • Variety of repayment terms
  • Standard mortgage practices applied
  • No prepayment penalties
  • Property titled in individual name

Benefits of a Navy Federal Business Membership

Since the beginning, we've been with our members every step of the way.

  • Access to small business professionals
  • Online and Digital Banking** with free Bill Pay
  • A choice of business checking accounts to suit your business needs
  • Competitive business credit offerings
  • Merchant card processing solutions

**Message and data rates may apply. Terms and Conditions are available.