We provide a variety of business loans nationwide, to all types of businesses including biomedical, healthcare, owner-operators, and investment properties. As a small, yet agile and experienced not-for-profit lender, we combine our better rates and lower fees, with the speed and flexibility larger lenders simply cannot match.
Our business loans can be used by members to:
Purchase or refinance real estate
Access working capital
Grow or start your business
Purchase equipment
We encourage our borrowers to enjoy the benefits of our business deposit accounts, but do not require such deposits to secure secure loan rates and terms.
Let us help your business succeed!
Click here to request a complimentary, no-obligation business loan consultation with a business lending specialist
Click here For Business Credit Cards
Click here for business membership and account inquiries
>>> Meet some of our happy borrowers!
NIHFCU Commercial Real Estate Loans will help you purchase or refinance owner-occupied or investment property with exceptional benefits, including:
Loans up to $5,000,000
Rates as low as 5.99%1
Amortization up to 30 years
Never any prepayment penalties
Have questions? Need to talk things through? Speak to a business lending specialist or request a complimentary, no-obligation consultation today.
I can’t say enough great things about my experiences with NIHFCU. I have had three separate loans with the credit union and have been pleased with how professional and helpful each person has been. I would not go anywhere else, nor would I recommend others to go anywhere else for their small business needs.
Michael G., DDS
Lansdowne, VA
SBA loans can help start a new business, as well as purchase or refinance owner-occupied real estate and business equipment, and much more. An NIHFCU SBA loan offers:
Loan amounts from $100,000- $5,000,000
Terms up to 25 years
Fully amortized loans
Low down payment requirements
No prepayment penalties on loan terms 15 years or less
Ready to Apply? Speak to a lending specialist or request a complimentary, no-obligation consultation today.
I love working with NIHFCU for all my loan/business needs. I enjoy getting to know colleagues connected with the credit union as well. NIHFCU does a great job connecting their members.
TG HSRL
Mount Jackson, VA
Access funds to help with liquidity and cash-flow management of your existing business. At NIHFCU, our business lines of credit and term loans offer:
Aggregate amounts from $100,000 – $500,000
Various and convenient options
Never any prepayment penalties
No annual rest period requirement
Ready to Apply? Speak to a lending specialist or request a complimentary, no-obligation consultation today.
NIHFCU’s equipment loans can assist with a purchase or refinance of new or existing business equipment. Equipment loans offer:
Loan amounts from $50,000- $350,000
Terms up to 15 years
Fully amortized loans
Never any prepayment penalties
Ready to Apply? Speak to a lending specialist or request a complimentary, no-obligation consultation today.
Designed for the self-employed, or owners of small businesses or medical practices, NIHFCU’s no annual fee3 Visa Business Credit Card offers:
Great low variable APR, currently Prime + 7.74% 3
Earn 1 point for every $1 spent on net purchases
Earn 2X for every net $1 of purchases within the medical equipment-related merchant category 2
Redeem points for cash, travel, gift cards, merchandise, or statement credit
Low foreign transaction fee
Expandable to accommodate users with customized credit limits.
Advanced security features including Visa Zero Liability, 24/7 fraud monitoring and card alerts
Contactless “tap to pay” convenience
Note: If you heard of our business accounts on YouTube, TikTok or any other social media channel, please watch this short video before submitting.
Rates, fees and terms as of July 10, 2025 and subject to change without notice
1 Rates and terms subject to change at any time.
2 You will earn two points for every net dollar spent when you use your NIHFCU Visa Business Rewards card to pay for medical equipment-related purchases made at merchants classified by Visa’s “Merchant Category Code” (“MCC”) as “Medical, Dental, Ophthalmic, Hospital Equipment, Supplies”, which may include: medical, dental, ophthalmic, hospital equipment and Supplies. Even though some merchants may sell medical equipment and supplies, purchases made at these locations may not necessarily qualify for the two NIHFCU Visa Business Rewards points per dollar if the merchant is not classified with a “Medical, Dental, Ophthalmic, Hospital Equipment, Supplies” MCC. Also, merchants that are not classified by a “Medical, Dental, Ophthalmic, Hospital Equipment, Supplies” MCC may be located on the premises of merchants that are classified with a “Medical, Dental, Ophthalmic, Hospital Equipment, Supplies” MCC, and purchases made at these locations may not qualify for this added benefit. Offer subject to change or cancellation at any time.
3 APR = Annual Percentage Rate. Variable APR of Prime +7.74% (Prime as published in The Wall Street Journal). Maximum rate 18%. A balance transfer fee equating to the greater of 2% or $10 applies. All new applications are subject to terms, conditions and credit approval. See Important Documents – Rewards Terms and Conditions for complete reward terms.
Although NIHFCU reviews all external weblinks placed on our site, the credit union is not responsible for the content of any third-party website. By following this link, you agree that you are leaving nihfcu.org and understand that the third party who manages this site is solely responsible for its privacy policy, any products or services it offers and the content they publish. If you do not wish to proceed, click "Cancel" below to stay on the NIH Federal Credit Union web site.
