Term Loans

Term loans are used to finance the acquisition or modernization of the company’s productive assets. Term loans are commonly used for:

• Purchases of machinery, equipment, furniture, fixtures, and to make leasehold improvements
• Permanent additions to working capital
• Expansion or modernization of facilities
• Vehicles or other business transportation

The source of repayment is often generated by the enhanced cash flow from these assets. The loan period is determined by the productive life of the assets. For example, loans used to buy computers and office equipment will be shorter in duration than those used to purchase manufacturing equipment.

Commercial Real Estate

Kemba Credit Union offers very competitive financing for commercial real estate, including the purchase of existing buildings or refinancing current loans. These loans use the property as the required collateral, and often are used for:

• Commercial properties, both owner- and non-owner occupied
• Rental housing
• Apartment complexes
• Combination business/residential properties

Recognizing that your real estate transaction may be unique, Kemba Credit Union offers an innovative and flexible program to fit your needs. Commercial real estate loans are amortized over a set period of time, with payments and interest rates fixed over a 3-5 year term.

Business Credit Cards

The Kemba Credit Union Business Credit Card provides a flexible way to streamline purchases and control your expenses. A Kemba Credit Union Business Credit Card allows you to:

• Separate business from personal expenses
• Issue cards to employees for purchases, travel, etc.
• Set the spending limit on each employee’s card

Looking for Help? Call (800) 825-3622

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Mailing Address: PO Box 14090, Cincinnati, OH 45250
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