Cash-Secured Loans

Borrow smart with a VyStar cash-secured business loan. When you borrow against your balance, you pay less interest and keep more of your money.

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Pay yourself back

  • Pay less interest than a secured loan (only 2% above your account dividend rate)

  • Continue to earn interest on your balance

  • No prepayment penalties

  • Convenient payment options

Additional Business Resources

Getting a Cash-Secured Business Loan is Easy

1

Borrow What You Need

Get a cash-secured loan from $500 to $500,000 with a maximum five-year term.

2

Secure Your Funds

Apply online, by phone or at one of our branches and choose your ideal payment option.

3

Make the Most of What’s Yours

Spend, repay and feel confident knowing you’re building credit for your business.

Business Break Even

Understanding your break-even point is vital for your business's financial health. This helps ensure you can manage essential expenses effectively.

Cash-Secured Loans FAQs

What are the terms and limits?

Cash-Secured

  • $500 minimum

  • $500,000 maximum

  • Up to a five-year term

  • Up to 100% of available funds

CD-Secured

  • $500 minimum

  • $500,000 maximum

  • Up to a five-year term

  • Up to 90% of available funds

What are the rates and fees?

  • Rate: 2% above dividend rate

  • Application/processing fee: $100

  • Doc Stamps

What are my repayment options?

  • Interest only

  • Monthly principal and interest

  • Principal and interest due at maturity (CD-secured only)

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Related Tools & Resources

Business Equipment Loans

Fixed-rate loans with flexible terms help you purchase the equipment you need to make your business grow.

Business Line of Credit

Have funds on hand when you need to cover unexpected costs or finance short-term expenses like replenishing your inventory.

Business Credit Cards

Whether your business is large or small, we have no-fee credit cards with flexible terms to suit your needs.

All loans are subject to credit approval, verification, and collateral evaluation, if applicable. All owners are required to give a full personal guarantee. Certain restrictions may apply. All credit union programs, services, rates terms and conditions are subject to change at any time. During the process of your loan application, additional documentation may be requested at any time regardless of credit, length or business, or loan amount.