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How to Choose the Right Loan for Your Business

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Take Control Of Your Small Business Finances

You know the saying: “It takes money to make money.” While many business owners struggle with this concept, the most successful ones understand the importance of making an investment.

For your business to grow and be successful, you’ll need the necessary funds to reach your financial goals. Business loans from a trusted lender are a proven strategy to get safe, secure access to the cash business owners need.

There are several types of business loans offered by Inspire FCU. Each loan boasts its own list of unique benefits and can help your company overcome financial hurdles. How do you know which loan will suit your specific needs?

Consider how you’ll use the money and where your business will benefit from the right loan.

The 4 Types Of Business Loans

Every business is structured differently. A revenue strategy that works for one business may not work for another – even if it’s in the same industry or market.

No matter your level of financial literacy, it can be challenging to know which business loan to choose based on your individual needs. That’s why we offer a variety of competitive business loans.

We work closely with businesses in Bucks County to help them find the ideal loan solutions. Our staff helps ensure that you understand your options before submitting your application. Below are the loan services we offer to help you make your decision:

1.) Improve Your Workspace With A Commercial Real Estate Loan

Your business needs a professional environment to succeed. A commercial real estate loan is perfect for business owners in need of financing options for offices, stores, warehouses and any other type of business property. These loans can also be used to finance investment properties.

Whether you’re purchasing a new location or renovating your current workspace, a commercial real estate loan helps reduce your financial burden. This way, you can focus on the essential day-to-day operations that will help expand your business.

A commercial real estate loan offers:

If you want to start or grow your business, our team can help you finance the professional space you need.

2.) Drive Business Growth With Vehicle And Equipment Loans

The tools of the trade will vary depending on your business. From trucks, cars and vans to manufacturing machines and service tools, a successful business must be well-equipped to provide top-quality service.

Vehicle and equipment financing helps you enjoy the increased productivity from your new asset without making large up-front costs. You’ll also know how much you need to spend per month on your loan to help you build a more accurate business budget. These loans allow you to conserve cash without sacrificing the vehicle or equipment you need.

A vehicle and equipment loan offers:

  • No prepayment penalty
  • Personalized services through the loan process
  • Loans provided across various industries for different equipment types
  • Affordable insurance coverage

With a vehicle and equipment loan, your business can successfully scale and reach the right customers and clients.

3.) Stay Flexible With A Working Capital Loan

Every business requires consistent revenue streams to maintain productivity. To stay competitive, your business must be financially nimble and ready to strike when opportunities pop up.

You never know when a disaster will interrupt cash flow. The funds from your loan will offer financial flexibility as you work to pivot your business. Working capital loans can be used for any business expense, helping to keep your company going in the face of unexpected circumstances.

A business loan helps keep the revenue stream flowing. A working capital loan can be used for operational expenses such as payroll, accounts payable, and more.

A working capital loan offers:

  • Competitive terms
  • No prepayment penalty
  • Personalized services through loan process
  • Flexibility to use for your business individual need

Stay competitive and prepared for any situation with a working capital loan.

4.) Expand Your Brand With A Small Business Loan

Small business is what drives our community. We’re proud to work closely with small businesses in Bucks County. We provide friendly, trusted financial services to those starting a business or looking to expand a business.

A small business loan offers the opportunity to turn plans and ideas into a real-world business. Inspire FCU works with the SBA to offer members funding resources.

Our small business experts also help guide business owners through the entire process of planning, starting and growing a small business.

A small business loan offers:

  • Competitive terms
  • Counseling & Education Services may be available
  • Lower down payments
  • Flexible overhead requirements

If you’re ready to realize your business dreams, a small business loan is the first step to success.

Commercial & Small Business Loans That Drive Success

Inspire FCU is a trusted small business resource. We offer members competitive business loans coupled with advice from our business experts. Members can also take advantage of our business services such as Business Checking and Business Savings accounts.

Starting and maintaining a business is hard work. With help from a friendly and trusted federal credit union, you’ll have a solid foundation to build your business.

Have questions about business loans and financing options in Bucks County? Stop by your local branch or call us today.

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