Products and Services

Loan Programs

Let one of VyStar's experienced Business Relationship Specialists help you find the best financing solutions for your business. From business real estate to vehicle loans, our flexible repayment terms and competitive interest rates are sure to get you the loan best suited for your growing business needs. Our Business Services professionally trained team is ready to assist you and will help design a financial services program specifically for you.

  • New 100% Small Business Vehicle Loans - find out moreBusiness Vehicle Loan

    As a leader in vehicle financing within the markets we serve, VyStar can help your business finance cars, pick-up trucks, vans, and SUVs. With competitive fixed and variable rates available, terms as long as 84 months, and loan amounts up to 100% of the vehicle purchase price, VyStar is the right choice for your next business vehicle loan.
     
  • Business Equipment Loans

    VyStar business equipment loans are a great way to finance larger purchases such as box trucks, tow trucks, semi tractors, wreckers, construction, medical/dental, printing, manufacturing and others. Variable and fixed interest rates are available with flexible terms up to 120 months and loan-to-value amounts up to 80% for many equipment types. 
     
  • Business Credit Cards

    VyStar's no annual fee Business credit cards are loaded with features and benefits. From credit limits starting as little as $500 on our Micro Business starter card to powerful credit lines of up to $50,000, our credit cards offer very competitive interest rates and will give you and your business the flexibility to make timely purchases. Click here now to find the card that is right for you and your business.
     
  • NO CLOSING COSTS Business Real Estate Loans

    With a VyStar Commercial Mortgage, you and your business will benefit from our flexible options that include low monthly payments, competitive fixed and variable rates, and long amortization periods. Right now, VyStar is offering its Business members a no closing costs program offer on commercial real estate loans. You may qualify for no closings costs up to 2% of the loan amount for owner-occupied and investment properties.* Let us help you purchase or refinance your owner-occupied building, office building, residential investment property, apartment complex, or certain other specialty property types. Contact one of our Business Relationship Specialists today.

    *Business Loan No Closing Costs program offer is only available for purchase and refinance of non-VyStar Credit Union business real estate loans. All loans are subject to credit approval, and certain restrictions and limitations apply. VyStar will pay borrower closing costs up to a maximum amount of 2% of the loan amount excluding real estate taxes, liens or any prepaid interest or funds. Program only applies to business real estate loans with a minimum term of 5-years and a max amortization of 25-years. If the borrower pays off the business loan within the first 60 months, they will be required to reimburse VyStar for a portion of the closing costs paid by VyStar. Expenses collected during the loan process will be credited back on the settlement statement at loan closing as applicable per the program guidelines. No closing costs offer is not available on residential investment property. Program is subject to change without notice.
     
  • Business Line of Credit

    Better manage your business’ working capital. With credit limits between $25,000 and $100,000 available, low interest-only payments and the flexibility to take draws and make principal payments on your schedule, a Business Line of Credit can help your business in many ways. VyStar’s Business Line of Credit must include the personal guarantee of all business owners, may be secured by equipment, vehicles, real estate or liquid assets, and cannot be used for overdraft protection. To qualify, businesses should have at least 3-years of continuing operations and be in good standing.
     
  • Share-secured Loans

    Use your available cash to your advantage by borrowing funds secured by a VyStar Savings or VyStar Certificate of Deposit. Loan amounts available as low as $2,500, repayment terms of up to 60 months, and interest rates as low as 2% over the corresponding CD rate.

 

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