Business Loans

Cornerstone focuses on locally owned small- to medium-size businesses and income-producing property investors in the Greater Nashville and Middle Tennessee area.

Business Loan Options

Vehicle Loans

Rates as low as 7.00% APR for business-use vehicles and 9.00% APR for commercial vehicles. Loan terms up to 84 months.

Equipment Loans

Rates as low as 10.00% APR for tractors, trailers, and other agricultural equipment. Loan terms up to 84 months.

Cash Flow Loans

Borrow up to $50,000 with rates as low as 12.75% APR for lines of credit and unsecured term loans to assist with cash flow cycles and operating expenses.

Credit Cards

Rates as low as 14.00% APR for Visa Platinum credit cards to handle your day-to-day business purchases. Includes advanced card controls, contactless chip, and digital wallet compatibility for added convenience.

Residential Real Estate

Purchase or refinance income-generating residential properties in Tennessee. Borrow up to 85% of the property's value. Up to 10-year loan term and 25-year amortization with no prepayment penalties.

Commercial Real Estate

For your business office or storefront in Tennessee. Borrow up to 80% of the property's value. Up to 10-year loan term and 25-year amortization with no prepayment penalties.

EMAIL BUSINESS LENDING

Next Steps: Please email business@bankcfcu.org to apply, to schedule an in-person appointment, or to inquire about our business loan products and processes. A business services representative will reach out to assist you.

Documentation: For all business loans we require two years of tax returns for the business and business owners unless advised otherwise. We also require application documents for the loan request that will be provided by a business service representative.

Credit Union Membership: We require a Share Savings account for the business and/or proprietor to be opened before finalizing the loan process. The minimum deposit is $25.

Business Secured Loans

  • Business-use vehicle loan rates as low as 7.00% APR
  • Commercial vehicle loan rates as low as 9.00% APR
  • Equipment loan rates as low as 10.00% APR
  • Loan terms up to 84 months

Business Unsecured Loans

  • Business Line of Credit
  • Unsecured Term Loans up to 72 months
  • Borrow up to $50,000
  • Rates as low as 12.75% APR

Business Credit Cards

  • Visa Platinum with contactless chip and digital wallet compatibility
  • Advanced card controls available through digital banking
  • Rates as low as 14.00% APR

Real Estate Loans

  • Up to 10-year term and 25-year amortization
  • Finance up to 85% of the property's value for residential and 80% for commercial
  • No prepayment penalties

Commercial Land Loans

  • Loan terms up to 15 years
  • Finance up to 75% of the land's value
  • No prepayment penalties