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TDECU Business Loans

TDECU Business Loans

Drive your business forward with loans starting at 5.50% APR1

What can a TDECU business loan do for you?

What can a TDECU business loan do for you?

  • Allow you to expand your operations
  • Build up your credit
  • Offer you low-interest rates
  • Solve cash flow and unexpected expenditure issues

Take the next step to grow and thrive

Your TDECU team is here for you every step of the way, with the expertise and solutions to meet all your business objectives. We understand business and its challenges, so we provide you with a wide range of lending solutions and industry specialists to create personalized financial options just for you. And you may not know, but we have more business lending capabilities and offerings than even the largest local banks in our area. With a positive, hassle-free, and efficient lending experience from purchases, to builds, or remodels, TDECU has you covered.

TDECU Business Loans feature these benefits:


25 Year

Loan Term

Low As




$20 Million

Loan Amount

Your business loan in 6 simple steps:



Have a good understanding of your business needs. Please note: Borrowers must be an established business (at least 2 years).

Contact us

Contact us

In order to complete and application, pull together all of the recommended documentation and contact your local business loan officer.

Application intake

Application intake

Application intake process begins. (Note: an incomplete documentation package will delay the review process.)



Underwriting review begins. Upon completion, an approval, declination, or counteroffer will be provided.



If your request is for Commercial Property (Investment or Owner Occupied), we will request an appraisal and environmental.



Closing (funding), Business Operating Account opens and final closing.

Business Loan Options

Established in 1955, TDECU has a history in the local area, and more than $4.7 billion in assets. We are the largest credit union in the Houston area, so we can review each opportunity individually and provide you with experience, low rates, flexible terms, and quick approval, ensuring you end up with the right loan for your needs.

TDECU Commercial Real Estate Loans Icon

Commercial Real Estate Loans

Unlock your real potential with a TDECU Commercial Real Estate Loan.

We can help you secure financing for a variety of commercial real estate types, such as:

  • Commercial mortgage
  • Owner-occupied real estate
  • Non-owner-occupied/Investment

Our loans are designed to work for you. TDECU commercial real estate loans give you:

  • Amounts ranging from $150,000 to $20 million
  • Up to 25 Year Term
  • APR1 from 7.37% - 7.57%2
  • Flexible loan options
  • Fixed interest rates
TDECU Commercial Construction Loans Icon

Construction Loans

Our construction loans are designed to support your growing business and we are here to guide you from beginning to end.

We understand the twists and turns of construction projects and will help to ensure it is completed on time and on budget.

Our commercial construction loans include:

  • New ground-up construction
  • Expansion to current location
  • Residential Builder Lines of Credit
  • Remodels or renovations

We offer commercial construction loans with:

  • Amounts ranging from $150,000 to $20 million
  • Up to 25-year terms
  • APR1 from 7.87%2
  • Flexible loan options
  • Fixed interest rates
  • Interest only payments during construction
TDECU Commercial SBA Backed Loans Icon

SBA Backed Loans

TDECU is a Preferred Lender with the Small Business Administration (SBA) Loan Programs.

With these flexible financing programs, TDECU offers extended loan terms we might not be able to otherwise offer, including:

  • Amounts ranging from $75,000 to $10 million
  • Long term financing
  • Low down payment options
  • Fixed/Variable Interest
  • Line of Credit for working capital/inventory
TDECU Commercial Line of Credit Icon

Commercial Line of Credit

A revolving line of credit offers you access to cash need when you need it.

  • Amounts ranging from $50,000 to $2 million
  • 12–60-month terms
  • APR1 ranging from 8.29% - 17.99%4
  • Fixed/Variable Interest
  • Line of credit for working capital/accounts receivable financing
TDECU Commercial Equipment Loans Icon

Commercial Equipment Loans

Loans for heavy commercial vehicles, manufacturing equipment, and medical equipment.

  • Amounts ranging from $20,000 to $250,000
  • 48 to 72 Month Terms
  • APR1 starting at 6.49%3
TDECU Commercial Vehicle Loans Icon

Commercial Vehicle Loans

Financing for vehicles manufactured for consumer use but titled in your business name. Trucks up to 3/4 ton are included.

  • Amounts ranging from $20,000 to $100,000
  • 48 to 84 Month Terms
  • APR1 starting at 5.50%3

Ready to apply for a TDECU Business Loan?

We are here and ready to find a financial solution to meet your business needs.

Download the Business Loan Preparation Checklist

1APR = Annual Percentage Rate.

2Rate dependent on fixed or floating rate option, property type, and credit qualification.

3Rate and term based upon vehicle make, model, and credit qualification.

4Rate, term, and maximum limit based upon collateral and credit qualification.

Rates, terms, and conditions subject to change. Credit subject to approval. Other rates are available.

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