Lending Solutions To Help Your Business Grow

We offer a variety of lending solutions designed to help meet the day-to-day demands of running your business, as well as helping you achieve your long-term goals to help your business grow.

Our Business Lending Representatives are here to help you match the right lending solution to meet your unique business needs. Explore some of our featured lending options below, then

For complete details on Business Auto Loans (under $50,000) and Business Credit Cards

  • Call 703-709-8900 (844-709-8900 toll-free) x7703

Auto Loans

Turn to us for low fixed-rates, easy repayment options and flexible auto loan terms. When your needs for a company vehicle exceed $50,000, we can help.


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Credit Cards

Whether you’re taking a client to lunch, purchasing office supplies or updating furniture, we’ve got the business credit card to simplify those every day purchases and take the stress out of reconciling your monthly statement. Learn more about our Visa® Business Credit Cards.


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Lines of Credit

A business line of credit could be just what you need to fund short-term working capital needs. We offer both revolving and closed-end credit programs with minimum loan amounts of $50,000.


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Term Loans

Business term loans available to meet your specific financial needs.  Loan types include secured, unsecured, equipment financing, vehicles, inventory or other fixed assets. Minimum loan amount is $50,000.


Business Loans

Real Estate Loans

We’ve got a number of financing options for purchasing or refinancing commercial real estate.


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SBA Loans

Our Business Lenders and Loan Processing Team will assist you every step of the way working together to manage every detail of the origination process. You'll receive the financing you need at favorable, competitive rates and terms.


SBA 504 Loan Program
Business Loan Application Terms

Representation and Warranties

The information contained in this statement is provided with the intent of the undersigned to establish, modify or otherwise maintain an extension of credit from the credit union. The undersigned acknowledges and understands that the credit union is relying on information provided herein in deciding to grant or continue credit to the undersigned. Each of the undersigned represents warrants and certifies that the information provided herein is true, correct and complete including all documents required to be submitted in connection herewith, including federal income tax returns. Each of the undersigned agrees to notify the credit union immediately and in writing of any change in name, address, or employment and of any material adverse changes (1) in any of the information contained in the statement or (2) in the financial condition of any undersigned or (3) in the ability of any of the undersigned to perform its (or your) obligations to the credit union. In the absence of such notice or a new and full written statement, this should be considered as a continuing statement and substantially correct. If the undersigned fail to notify the credit union as required above, or if any of the information herein should prove to be inaccurate or incomplete in any material respect, we may declare the indebtedness of the undersigned or the indebtedness guaranteed by the undersigned, as the case may be, immediately due and payable. The credit union is authorized to make all inquiries we deem necessary to verify the accuracy of the information herein and to determine the creditworthiness of the undersigned including the Internal Revenue Service and credit reporting agencies. The undersigned authorize any person or consumer reporting agency to give information about our credit experience with the undersigned. The undersigned further gives permission to NWFCU to share information in this loan application with any federal, state or other authorities and/or lenders for the purpose of processing this loan application and authorize NWFCU to verify your identity. As long as any obligation or guarantee of the undersigned to the credit union is outstanding, the undersigned shall supply annually an updated financial statement. This personal financial statement and any other financial information that the undersigned gives us shall be credit union property. The undersigned hereby authorizes NWFCU to initiate debit entries to any NWFCU account of the borrower for the scheduled payments on the credit extension, or renewal thereof, arising from this application.

Commercial Use

The undersigned certifies that any property and/or proceeds from the proposed request will be used by the applicant for commercial purpose only and not for any personal, family or household purposes, and that the proposed request would constitute a business loan which is exempted from the disclosure requirements of Regulation Z – Truth in Lending Act. The applicant agrees to indemnify and hold lender harmless from any and all claims, loss or damage resulting or caused by the request being subject to any of the provisions of the federal Consumer Credit Protection Act (Truth-in-Lending Act) and Regulation Z. The undersigned certifies that he/she has full authority to act on behalf of applicant in connection with the above referenced credit request.  

Permission to Obtain a Credit Report

You authorize us to verify the information you submitted and to obtain credit reports concerning you. Upon your request, we will tell you if a credit report was obtained and give you the name and address of the credit reporting agency that provided the report. You warrant to us that the information you are submitting is true and correct. By submitting this application, you agree to allow us to receive the information contained in your application, as well as the status of your application.  

Equal Credit Opportunity Act Notice

The Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this credit union is: National Credit Union Administration, Office of Consumer Protection (OCP), Division of Consumer Compliance and Outreach (DCCO), 1775 Duke Street, Alexandria, VA 22314. Phone - (703)518-1141; Fax - (703) 837-2460. 

Right to Statement of Denial

If NWFCU denies your application for credit, you have the right to a written statement of the specific reasons for the denial. To obtain the statement please contact NWFCU, Business Services, 200 Spring Street, Herndon, VA 20170 or by phone at 703-709-8901 within sixty (60) days from the date you were notified of the Credit Union’s decision. NWFCU will send you a written statement of reasons for the denial within thirty (30) days of receiving your request.  

Important Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What This Means for You

When you open an account, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.