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Business Operational Loans

As a small business owner, cash flow can be tight. Acadia can help you keep inventory stocked so you can focus on top-notch customer service.

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Focus on what's important.

Maintain steady cash flow and keep your business running smoothly with a business operational loan. Whether you need to cover payroll, manage inventory, or handle unexpected expenses, these flexible financing options provide the working capital you need to stay on track. With competitive rates and tailored terms, you can focus on growth and daily operations without financial roadblocks.

Competitive Rates
Flexible loan terms (up to 15 years)
No pre-payment penalties
Construction loans available
Commercial Flex Mortgages available

We can be creative and flexible with our Business Operational Loans because we're:

We always have an excellent experience with AFCU, both on personal and commercial side. They are flexible, willing to go the extra mile for their members, and have a vision for the community they serve in Maine.

— Rafal Subernat & Jennifer Freese

Frequently Asked Questions

We ask that you bring your last three years of tax returns and either purchase orders or estimates for what you’re looking to buy.
Yes, we do! As a SBA (Small Business Administration) Preferred Lender, we’re here to help small businesses overcome any challenges they face. Please call 1-855-MY-ACADIA (1-855-692-2234) or shoot an email to commercial@acadiafcu.org and someone on our Business Services Team will be sure to reach out. We’re here to help!
Acadia FCU has a partnership with the Maine Forest Direct Link Program and can offer discounts on loans for qualifying logging equipment. The purpose of this financial incentive is to increase the use of of Forestry Best Management Practices (BMPs) and environmentally-friendly logging equipment in the logging industry. If you’re interested in more information, send an email to our Business Services Team at commercial@acadiafcu.org or visit this website.
Yes – a share-secured loan lets you borrow money using a savings account, a share certificate (also known as a CD in the banking world), Acadia Super Saver account, or Acadia Star Money Market account as collateral. We’ll “freeze” the amount you’d like to borrow and while the amount won’t be available for withdrawal, it will remain in your account and continue to earn dividends. Share-secured loans allow you to keep the money you have worked so hard for! As you pay down the loan, your funds become available to you again. A share-secured loan is also a great way to build or rebuild your credit score.
We have many ways available to accept a payment on your Acadia FCU loan. Check this page for all the details!