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Business Lending

Small Business Administration (SBA) Loans1

As an SBA-preferred lender, Kinecta is proud to offer SBA loans for purchasing inventory and equipment, acquiring commercial real estate, performing tenant improvements, refinancing business debt, purchasing a business, and obtaining working capital. We also offer SBA lines of credit for short-term debt.

Ready to start? Download an SBA loan application (.pdf) and a Personal Financial Statement (.pdf) – both forms are required. 

Email your completed application to or fax it to 310.727.8234.

For information on the Paycheck Protection Program, see blue box below.

SBA Loan Details


  • Backed by the US Small Business Administration
  • Up to 90% financing available
  • Loan amounts up to $5 million


  • Finance inventory
  • Refinance existing debt
  • Long-term working capital
  • Furniture and fixtures
  • Machinery and equipment
  • Acquisition of owner-occupied commercial real estate
  • Acquire businesses

Commercial Real Estate Loans (CRE)1

Kinecta takes the complexity out of commercial real estate lending, since we’ve done it for more than 80 years. We help our members realize their business expansion goals and entrepreneurial dreams.

  • Multi-family over 4 units
  • Manufactured housing communities
  • Office and retail
  • Light industrial and self-storage

CRE Loan Details


  • $1 million - $10 million
  • Terms up to 15 years (3 year minimum)
  • Amortization up to 30 years
  • Fixed 3-, 5-, and 7- year rates with reset available
  • LTV up to 75%
  • No prepayment penalties
  • Full recourse
  • First Deed of Trust as collateral
  • First Deed of trust as security interest


  • Transaction costs include underwriting fees, third party reports, document, and processing expenses
  • DSCR: 1.20x for multi-family and manufactured housing communities and 1.25x for all other property types
  • Tax and insurance impound and/or TI/LC reserves may be required

Letter of Interest

  • To receive a letter of interest, please submit:

    • Photos of property (front, rear, sides, street views)
    • Current rent roll
    • Last two years and YTD operating statements
    • Schedule of Real Estate (if available)
    • Borrower’s resume, net worth, and liquidity
    • Borrower’s current debt

Please submit all documents to or call 888.371.7501, option 1

One Stop for Personal & Business Banking

Make things easy by putting all your business and personal banking under one roof.  That’s one online banking portal, one app on your phone, and one branch for all of your banking needs.

  • Checking, savings, money markets, and certificates
  • Personal credit cards with either cash rewards or no fees
  • Personal loans and lines of credit
  • Home mortgages2
  • Auto loans
  • Personal and business insurance3

*APR = Annual Percentage Rate is variable and subject to change. This is Kinecta’s most recent published rate.

Commercial Real Estate (CRE) rate shown includes a 0.25% discount for enrolling in automatic payments made from a Kinecta account and will discontinue if autopay is terminated.

Membership requirements apply. Refer to the Agreements & Disclosure booklet for terms and conditions applicable to specific accounts.

1Commercial Lending. Subject to borrower’s credit qualifications and requirements of Kinecta and/or the Small Business Administration loan program. Terms & conditions subject to change. Kinecta Federal Credit Union is an equal opportunity lender. Commercial real estate loans are only available in states with a physical Kinecta branch location.

2Mortgage loans. Offered under Nationwide Multistate Licensing System (NMLS) #407870. Equal Housing Lender.

3Insurance products are offered through Kinecta Financial & Insurance Services, LLC., subsidiary of Kinecta Federal Credit Union. California Insurance License #0E24631. Insurance products: 1) are not NCUSIF insured; 2) are not obligations of or guaranteed by the Credit Union or any affiliated entities; 3) involve investment risk, including possible loss of value. Insurance products not available in all states.