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Build Your Business With Loans and Lines of Credit

Our suite of small business financing solutions can help your business reach new heights. From building a fleet and improving cash flow to renovating office space and purchasing IT equipment, we have the resources you need.

Lending Options

Commercial Real Estate Loans

Buying real estate, renovating property or refinancing existing real estate can be valuable investments for your small business—let us help you strengthen your portfolio with a Real Estate loan.

  • Commercial real estate
  • Residential rental properties
  • Multi-family dwellings
  • Property renovation

Learn More about Navy Federal's commercial real estate loan offerings.

Business Lines of Credit

Looking to manage cash flow, payroll or working capital? A Business Line of Credit may be right for you. For shorter-term cash needs like overdraft protection, building inventory or offsetting unexpected expenses, our Checking Line of Credit connects you with the cash you need to cover gaps and reconcile accounts.1

  • Temporary working capital
  • Cash flow
  • Payroll
  • Gaps between accounts receivables and accounts payables
  • Unexpected expenses
  • Overdraft protection

Learn More about Navy Federal's business lines of credit.

Vehicle and Secured Term Loans

Whether your need is a car for traveling, a truck for hauling or a commercial oven for cooking, our Secured Term loans offer you the opportunity to grow your business with the tools and materials you need.

  • Equipment
  • Company cars
  • Heavy duty trucks

Learn More about Navy Federal's business term and vehicle loans.

Why Choose Navy Federal?

Your Navy Federal business membership comes with an exclusive combination of benefits you won’t find anywhere else:

  • Access to small business professionals
  • Focus on Veteran-owned businesses
  • Backing of Navy Federal Credit Union
  • Convenient 24/7 account servicing

Business Membership

A business membership with Navy Federal Business Solutions is exclusively for Navy Federal Credit Union members. As a business member, you have access to small business professionals, competitive business credit offerings and more.

Learn More in Navy Federal Credit Union.



A business line of credit (BLOC) is a credit product, and rates are based on creditworthiness and will vary with the market based on The Wall Street Journal Prime Rate. A business checking line of credit (CLOC) is a credit product with a fixed rate of 17.9% APR. CLOC repayment terms are 2% of the outstanding balance or $20, whichever is greater, and the total outstanding balance will be due when it is less than $20.