Easy Ways to Apply

1. Complete and return loan package.

Download package

2. Contact Langley Business Services.

3. Visit your nearest Langley Branch.

Business Credit & Debit Cards

With LFCU's Visa® business Platinum credit and debit cards, your business can easily monitor activity online, and view cardholder and transaction information. Earn rewards when using your debit card!

Business Insurance

Find out how Langley Financial Insurance Agency can help your and your business.

Business Loans

Helping to grow your business

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Our team of professional business advisors is dedicated to providing you prompt loan decisions and world-class service. Whether for-profit or not-for-profit, Langley Federal Credit Union offers a variety of loan products geared to growing your business.

Conventional Loan Products

Conventional loans offered by us include:

  • Real Estate Loans available for purchasing and refinancing.
  • Business Term Loans to assist with purchase of capital assets, remodel or expansion, business acquisition, permanent working capital and refinance of business debt.
  • Bridge Loans to assist with working capital, short term payable obligations, equipment and/or land sale and acquisition.
  • Revolving and Non-Revolving Lines of Credit to assist with working capital needs.

SBA Lending Programs

We have been approved by the U.S. Small Business Administration (SBA) to offer SBA loans.

SBA loans offered by us include:

SBA Loan advantages include:

  • For-profit businesses that normally do not qualify under conventional lending standards may be eligible for Government Guaranteed Loans under the SBA Loan program.
  • Lower down-payments (as low as 10%)
  • Longer amortization terms (up to 25 years)
  • Available financing for businesses in the early start-up stages, and closing costs can be financed.

SBA 7a Loans:

  • Business term loans and mortgages for real estate acquisition/refinance, business purchase (including good-will), equipment and vehicle purchase, business debt-refinance, leasehold improvements, expansion and renovation, and working capital, all in one package.
  • No balloon provisions.
  • Flexible loan structure.

SBA Express Loans (including Patriot Express & Export Express):

  • Lines of Credit, Business term loans and real estate loans are available.
  • Loan amounts up to $350,000 for SBA Express and $500,000 for Export Express loans.
  • Financing for businesses engaged in exporting under Export Express program.
  • Financing for veterans, members of the military community and their spouses under Patriot Express program with loan amounts up to $500,000.
  • Working capital needs and short term asset financing such as purchase of inventory, equipment, business acquisition/expansion and leasehold improvements.
  • Limited additional paperwork and quick turnaround.

SBA 504 Loans:

  • We partner with a Certified Development Company (CDC) on behalf of SBA.
  • Commercial mortgages & capital asset purchase financing.
  • Financing of owner-occupied real estate, construction/renovation and capital equipment.
  • Long-term fixed rate financing with low down payments.
  • Debt refinance is possible allowing for longer terms and lower interest rates.

For additional information, please refer directly to the SBA website at www.sba.gov