B usiness S ervices No matter the size of your business, Atomic Credit Union has loan products and deposit accounts to fit your needs. Business Loans
Commercial Real Estate Are you in the market to buy commercial-use property or remodel your current holdings? We take time to listen to your needs and pair you with the Commercial Real Estate Loan that works best for your business. Your commercial project will go smoother with our flexible financing plans! • Ideal for purchases or refinances to accommodate the growth of your business • Often used for apartment units, commercial rentals, and multiple other commercial properties • Various repayment terms to fit your budget
Residential Investment Real Estate Are you looking to purchase or refinance residential investment property, which generates monthly rental income? Our loan is just what you need, and we offer flexible financing plans! • Often used for single-family rental units • Various repayment terms to fit any budget Equipment No matter your line of work or industry, we can help you get the affordable equipment financing your business needs. • All types of equipment, including tractors and machinery • Swift approval keeps you moving • Fixed terms and payments make budgeting easy Operating Lines of Credit Need short-term capital? Business owners often encounter cash-flow issues during the natural course of business, or during periods of heavy demand and growth. We can provide a good financial backup! • Variable rates • Terms are typically 12 months • Annual review ensures your Line of Credit remains a good solution
Construction and Development Our construction and development loans allow you to build and finance with terms that work for you. With our one-time closing, you’ll save thousands of dollars in closing costs and mortgage-related expenses! • Often used for residental housing for rent or sale, commercial use, industrial use, or similar uses
Vehicles We
understand dependable transportation for your ongoing business operations. Your customer’s satisfaction often depends on it. We can help you finance a car, truck, semi, or other specialty vehicle to support the importance of
your business and fit your budget! • Ideal for businesses of all sizes • Various terms to fit your budget • Fixed rates make budgeting easy
Letter of Credit Trying to establish credit with a seller of goods and/or servic- es? A Letter of Credit may be what you are looking for. This is a document issued by Atomic Credit Union that guarantees payment to a seller (beneficiary) of goods and services. • Typically secured by liquid collateral (shares) • 12 month term
Business Credit Cards A Business Credit Card can help keep your company’s expenses on track and obtain the buying power you need to operate your business successfully. With the Atomic Business Credit Card, you can have convenient access and earn reward points with every purchase! Every dollar spent earns reward points, redeemable for cash, gift cards, travel, merchandise and more! We have no annual fees and you can manage your account easily through the Mobile App and Online Banking! Our cards also feature EMV chip technology for enhanced security when making purchases.
I tems N eeded In order to process your application, we ask that you provide us with the information on the Business Loan Information Checklist, located on page 18. 11
Note Loan Our Note Loans help you purchase those big-ticket items when you don’t have the cash flow immediately available!
• Interest-only payments due at maturity • Terms range from 30 days to 12 months
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