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Secured Business & Commercial Loans

As a local financial partner, we offer comprehensive solutions to help businesses become more efficient and profitable. We have a variety of secured business loan options to help you increase your inventory, purchase equipment, expand your space, or a combination of all of these things.

  • checkmarkblk-No pre-payment
    No pre-payment or payoff penalties
  • checkmarkblk-Local decision making
    Local decision making
  • checkmarkblk-Fixed monthly payments
    Fixed monthly payments

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Important Info About Opening a Business Account for a Legal Entity


  • Finance long-term expenses without reducing available funds in your business line of credit
  • Fixed monthly payments make it easier to manage your budget 
  • Terms up to 60 months


Equipment Loans—Financing to purchase machinery, commercial vehicles, or equipment.

Term Loans—Financing for capital improvements, equipment purchases, or to replenish working capital from a previous expansion or expenditure.

Stock Secured –Use your qualified securities as collateral for a loan.

Share Secured –Use your qualified savings as collateral for a loan.

Membership Eligibility

Businesses located in Albany, Columbia, Dutchess, Greene, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Ulster, or Westchester Counties that have an HVCU business account are eligible to apply for business loans. Eligible businesses include: Sole Proprietorship/DBA (Doing Business As), Corporation, Subchapter “S” Corporation, Limited Liability Company (LLC), Partnership, and Limited Liability Partnership (LLP). Businesses are also required to be in operation for more than two years.


Businesses that have been in operation for less than two years may qualify for a loan through the United States Small Business Administration (SBA). HVCU is a certified lender for the SBA 7(a) Loan Guaranty Program and SBA Express Loans. Getting an SBA guarantee can make it easier for newer businesses to get funding.


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