Business Services

UNIFY Business Services means it when we say we want to “mind your business”.  We know you need a business partner as serious about your business needs as you. We are here to support your day-to-day and assist with your growth. Whether that means a multimillion dollar property or a small business loan, dream it and we’ll help you realize it.

Contact Business Services at 877.254.9328, x2161, available Monday – Friday, 8 AM – 5 PM (PT).

  • Get Started with 360º Service

    Business Loans

    Competitive rates, low fees and quick approval.

    Commercial Property Loans

    Flexible terms with amounts up to $15 million.

    Business Visa Platinum

    Low rate, great benefits.

    Business Checking & Savings

    Convenience and flexibility.

    Have questions? Use our Business Calculators for answers to common Business Owner Questions. 

    UNIFY is Small Business Administration (SBA) approved.

    UNIFY is an equal opportunity lender. 

  • Business Loans & Lines of Credit
      Unsecured Line of Credit Secured Line of Credit Equipment Term Commercial Real Estate
    AMOUNTS $5,000 - $50,000. $10,000 - $350,000. Up to $1.5 million. Up to $15 million.
    TERMS 1 year. 1 year. Expected life. 5, 7, 10 years.
    RATE Variable. Variable. Fixed. Fixed.
    ANNUAL FEE None. None. None. None.
    COLLATERAL None. Assets. Assets. Property.
    LOAN-TO-VALUE N/A. Varies based on asset. Varies based on asset. Varies based on property type.

    UNIFY gets to your bottom line—competitive rates, low fees and quick processing. Plus, we go beyond the loan with full-service banking. 

    • Meet seasonal working capital needs.
    • Prepay year-end expenses.
    • Take advantage of bulk purchases and trade discounts.
    • Purchase capital assets.
    • Launch a new product or service.
    • Consolidate existing business loans.
  • Visa® Platinum & Engage Rewards Business

    Get a card that can keep up with your business, and provides the purchasing power you need. Take advantage of credit limits up to $50,000 and added benefits to keep you secure. 

    • Access cash via convenience checks and Visa ATMs worldwide1
    • Use as Overdraft Protection1
    • Get Engage Rewards.
    • Get emergency cash and card replacement.
    • Report lost or stolen card instantly online.
    Business Engage Rewards Visa Card

    Business Platinum Visa Card

    Review UNIFY’s Variable Rate Visa Credit Card Disclosure

  • Business Savings

    Earn dividends paid monthly2.

    • Open with a $5 deposit.
    • Pay just $1 per month fee.
    • Waive the monthly fee with a minimum $200 average daily balance.
  • Business Money Market

    Receive higher earnings on your savings.

    • Pay NO transaction fees.
    • Pay NO service charge.
    • Open with a minimum $2,500 deposit.
  • Business Checking

    Get the convenience and flexibility you need and the extras you want.

    • Pay NO annual fee.
    • Pay just $5 per month.
    • Open with a $100 deposit.
    • 200 transactions per month at no additional fee.3
    • Get a FREE Business Visa Debit Card with cash withdrawals to $1,000

1An overdraft from your Business Visa Platinum Credit Card will be treated as a cash advance. Finance charges are assessed from the day you take the cash advance until the day we receive payment in full. UNIFY Financial Credit Union is an equal opportunity lender.

2See our Rates page for complete information on savings rates and terms.

3UNIFY Business Checking Account allows 200 regular debit and credit transactions without an additional fee. Transactions in excess of 200 are assessed a fee of $0.25 each.

Can’t remember your Username?

No problem. Just phone our Contact Center at 877.254.9328, available 24/7, and a UNIFY Representative will assist you.