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Business Financing

Whether you need to purchase property, equipment or working capital, OUCU has the financing solution to meet your needs.
Our wide range of options help you grow into the business you want to become.

Product	Purpose	Term	Amount	Additional Info
Real Estate Loans	Purchase or refinance of commercial real estate	Up to 15 years, with longer amortizations	Up to $7 million	Competitive variable rates available
Rental Property Loans	Investment property purchase	Up to 30 years	Up to $7 million	Fixed rates available; single family to multi-family options available
Construction/Renovation Loans	Construction or Renovation of real estate	Varies	Up to $7 million	One seamless closing process for construction to permanent
Term Loans	Long-term working capital and equipment	5-7 years	Up to $7 million	Fixed & variable rates available
ReadyLine of Credit	Prevent overdrafts due to unexpected expenses	5 years	$1,000 - $5,000	Easy access in online banking; monthly payment is 2% of outstanding balance, $20 minimum
Line of Credit	Working capital	Open ended; reviewed annually	Up to $1 million	Interest only on balance used

BUSINESS LOAN APPLICATION For over $100,000

BUSINESS LOAN APPLICATION FOR UNDER $100,000

ReadyLine Application

ANNUAL PERSONAL FINANCIAL STATEMENT

Contact the OUCU Financial Business Team

Donna Russell

Commercial Lender
E. State St. Office
(740) 447-5202
business@oucu.org

Schedule Appointment

Tiffany Sims

Commercial Lender
E. State St. Office
(740) 447-5202
business@oucu.org

Schedule Appointment

Do you own a business or LLC?

Federal legislation now requires you to report Beneficial Ownership Information to the government agency FinCEN (Financial Crimes Enforcement Network).
Failure to report could result in penalties, including fines up to $500/day or imprisonment.
The new Corporate Transparency Act addresses the disclosure of corporate ownership and is intended to help prevent and combat money laundering, terrorist financing, corruption, and tax fraud. If you have a business registered in any state, you must file the report. We recommend you contact your attorney or accountant with questions.

Where to File your Beneficial Ownership Information. https://boiefiling.fincen.gov/
Beneficial Ownership Information Reporting FAQ’s https://www.fincen.gov/boi-faqs

SCAM ALERT:

Beware, the fraudsters are developing Corporate Transparency Act scams to trick you and steal your personal information!
Be sure to use the official BOI E-Filing System site, don’t click links from emails, and never give out your personal information or passwords.

CLICK TO eFILE YOUR BOI

Not a Member of OUCU Financial?

Becoming a member is easy. OUCU can now serve businesses in the following counties: Athens, Fairfield, Hocking, Jackson, Licking, Meigs, Morgan, Muskingum, Perry, Vinton, and Washington County. You can join, really!