Business Loans & Credit Cards

COMMERCIAL REAL ESTATE LOANS

• Owner-occupied and non-owner-occupied investment properties
• Construction and construction-to-permanent financing
• SBA 504 loans

BUSINESS TERM LOANS

• Competitive fixed and variable rates
• Use for equipment and machinery, commercial vehicles, building improvements, technology system upgrades

BUSINESS CREDITLINES

• Establish a CreditLine now so funds are available when your business needs them
• Use for accounts receivable and payroll, inventory and materials, short-term business expenses

VISA^® SIGNATURE BUSINESS CREDIT CARD

• 13.00% Annual Percentage Rate (APR¹). Variable APR²; U.S. Prime Rate plus 5.00% (floor of 10.75%)
• 1.00% year-end rebate on purchases
• No balance transfer fees
• No annual fee
• eStatements available
• Use with Apple Pay^®, Google Pay™, or Samsung Pay^®. Learn more about contactless payments with mobile wallets.

To report a lost or stolen credit card, call 866.820.4924.

If you receive a call regarding a blocked transaction on your business credit card, please call 888.918.7313.

APPLYING FOR A BUSINESS LOAN OR CREDIT CARD

For loan requests up to $100,000, complete a loan application and include the following:

• Two most recent year-end business and personal federal tax return(s); include all business and personal schedules and personal K-1s, if applicable
• Most recent interim Profit and Loss Statement and Balance Sheet (if last fiscal year-end is more than six months ago)
• Business formation documents (business license, partnership agreement, articles of incorporation, bylaws, articles of organization, operating agreement, or trust certification form)

Once you have completed your loan package, contact one of our loan advisors at 505.293.0500 or 800.947.5328 to determine if any additional documentation is needed.

For loan requests of more than $100,000, please call 505.293.0500 to speak with an Sunward business lender and determine what other documents you might need.

Open an Account

If you have a question, call us at 505.293.0500 or 800.947.5328.

¹APR = Annual Percentage Rate. APR effective as of 10/01/2024. Minimum 13.00% APR. No penalty APR. $5 cash advance fee, 1% international transaction fee. Up to $25 late payment fee, up to $25 over-the-credit-limit fee, up to $25 returned payment fee. Check with Sunward for additional details.

²Your APR is variable and may be adjusted on the first day of January, April, July, and October. To calculate your new rate, we add a 5% margin to the U.S. Prime Rate published in The Wall Street Journal on the first business day that falls on or after the 15th day of the month preceding the adjustment month. To calculate your balance, we use a method called Average Daily Balance (Including new transactions).