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Business Loans

Champions First Credit Union provides business members with loan solutions to meet their needs.

We take pride in assisting our members with dedicated business loan products. Our financing resources are customized based on a thorough understanding of your business. With flexible terms and competitive rates, our business lending solutions can help grow or expand your business.

Champions First Credit Union is pleased to offer the following types of business loans:

  • Vehicle
  • Equipment
  • Lines of Credit
  • Owner-occupied real estate
  • Non-owner-occupied real state (investment properties)
  • Construction

The items below are standard documents that would be needed to process a loan request:

  • Business loan application
  • Personal Financial Statement
  • Business Debt Schedule
  • Last three years of Business Tax Returns for all owned businesses (if you own more than 25%)
  • Last three years of Personal Tax Returns
  • Year-to-date business financials (i.e., profit and loss, balance sheet)
  • Rent roll & leases for investment properties

If you are requesting a loan for one of the products listed above and meet the following criteria, please use the link below.

  •  Your business has been operating for at least three years.
  • Your loan amount request is less than $50,000 for LOC, $150,000 for vehicles and equipment, and $500,000 for real estate.

Business Loan Request

If the request is outside of the criteria above, please contact Clay Smith at [email protected] or 850-224-4960 ext. 1099.

Business Accounts

For more information on Champions First Credit Union’s Business Accounts, including our free interest-bearing business checking and business money mint accounts visit our Business Accounts page.

Professional Development

We are proud to offer FREE financial wellness seminars for local businesses. An Champions First Credit Union expert will come to your business to lead seminars on financial wellness and planning. Email [email protected] for more information.

Opening a Business in Florida

For more information on opening a business in Florida, download this helpful information.
For more information on business mortgage/real estate loans, contact Clay Smith at [email protected] or 850-224-4960.

By accessing this link, you will be leaving Champions First Credit Union's website. Our website contains links to third-party sites not controlled or operated by Champions First Credit Union. These links are provided solely for your information and convenience. Champions First Credit Union does not endorse linked websites, the views they express, or the products/services they offer. Champions First Credit Union bears no responsibility for and makes no representations or warranties regarding the accuracy, legality, security, or content of the linked third-party site or for that of any subsequent links. By continuing, you will be subject to the privacy/security policies and terms of use of the third-party site, which may differ from those of Champions First Credit Union. Champions First Credit Union cannot guarantee the accessibility of content or features on any third-party websites that are navigable from ChampionsFirst.org.