Business Loans Low interest financing to grow your business
Business Financing That Meets Your Company’s Needs
Consider 121 Financial Credit Union as your business partner. Our connections to the Jacksonville community run deep, so we are committed to developing and growing local businesses like yours by providing the financial backing you need to start today.
We’re with you every step of the way of securing your loan from start to finish so that you can focus on what really matters for your company. 121 Financial offers a variety of business loans to help secure capital for what your company needs most. We are active participants with the Small Business Development Center (SBDC) and the Small Business Administration
Business Loan Options
Business Vehicle Loans
Need a lift? We offer vehicle loans to keep your business rolling. Cars, vans, light trucks, heavy-duty trucks—we can help you finance any kind of wheels your business needs.
Business Equipment Loan
Finance the cost of equipment that’s essential for your business. We offer fixed rates and predictable monthly payments so that you can buy, replace or refinance business equipment.
Commercial Mortgages
121 Financial offers long-term financing for your real estate loan needs, from buying new properties to planning, improving and refinancing existing properties, to loans for construction in conjunction with financing.
Business Credit Lines
Secure short-term funds to keep your company going. This flexible business loan option lets you borrow what you need to keep you strong during cyclical low points, cash conversion cycles and seasonal lulls.
Local Investment
A community is only as strong as its local industry. That’s why we work hard to provide financial support for Jacksonville’s homegrown businesses. We believe in investing our local commerce that the companies that impact our community the most can thrive and grow.
“It was not very pleasant dealing with other financial institutions. Other banks were not very enthusiastic about helping us with what we needed. They were neither welcoming or accepting. The service and experience of working with 121 Financial was welcoming, and I feel like they were genuinely interested in our business. They provided me with business analysis and worked to help guide my business decisions, which has led to tremendous growth. Our business started with about 13 boats, and now we have 50 boats thanks to 121 Financial.”
Freedom Boat Club
“From the very beginning, we sensed something different about 121 Financial: that they were on our side in this new venture. We received great advice on the best options for us, which was in stark contrast to the treatment we received from another bank. They wouldn’t even consider helping us unless we had been in business for several years! We have been in business for over 3 years now, and I am convinced that without 121 Financial, we would still be trying to get our business up and running.”
Liberty Bakery
“A friend recommended 121 Financial and it turned out to be an excellent experience. They were extremely helpful and made the process very simple. Without 121 Financial, we would not be where we are right now. If not for 121 Financial’s hard work, we would probably be in a smaller building in a different location. It is so easy to do anything with them. They are always willing to help, even with small things like helping me get into my online account if I am having problems. Everyone there seems to want to help.”
Shrader's Smoker Service
“After we had both been managing in the hospitality industry for years, we decided to break out on our own and start a food truck. After speaking with our bank where we had our personal accounts and realizing they wouldn't help us with the final funds we needed to complete the build out of our truck, we were put in contact with 121 through the SBDC at UNF. 121 was willing to help us after a good conversation about where we were and where we wanted to get to. 121 loaned us the funds to complete the project. Fast forward a few years and we needed capital again when we moved from the truck to the brick and mortar restaurant. 121 was there again to help us out with the funds we needed to finish the restaurant. 121 has been there for us when we needed them most and we are extremely grateful for them in helping us get where we wanted to.”
