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For more than 60 years, E-Central Credit Union has supported the financial needs of individuals and businesses. As a local, independent financial institution, we are able to combine a vast network of resources with personal, one-on-one service. Business Term Loans - When it comes to your business, "one size does not fit all." We'll structure a program that will give you the financing you need to grow your business. Our Business Term Loans can be used for supplies, equipment, building improvements and a variety of other needs. Business Lines of Credit - A line of credit is ideal for cash flow needs, with ongoing borrowing power and a competitive variable rate. Secured and unsecured options are available. Business Vehicle Loans - E-Central offers affordable financing for new or used vehicles. As a credit union, we are able to offer some of the best vehicle rates in town! We can even refinance loans from other financial institutions. Commercial Real Estate Loans - When it's time to move to a new location or add on to your current facility, you know exactly where to turn. E-Central has real estate loans to support your biggest plans, with terrific rates, flexible terms and low fees. SBA Loans - By partnering with the Small Business Administration (SBA), we have access to government sponsored programs with flexible lending guidelines, favorable terms and extremely competitive rates. SBA 7(a) Loan Program - Proceeds may be used to establish a new business or to assist in the operation, acquisition or expansion of an existing business.