Big opportunities for small businesses.

Business Loans and Lines of Credit

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Business Loans and Lines of Credit

Grow your business your way

Whether it’s more manpower, more equipment or a new location, our business loans and credit lines can facilitate your company’s growth.

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Financing built for business: Yours.

From your vehicles to your infrastructure, your business’ most important purchases are just as important to us.

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Commercial mortgages

so you can buy or refinance an owner-occupied or investment property.

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Lines of credit

add some extra flexibility to your business’ cash flow, cover your day-to-day expenses.

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SBA loans

help you start or expand your business. An SBA 7(a) provides working capital to established small businesses to acquire a building, make improvements, refinance debt, and more. The SBA 514 can be used to make improvements to existing facilities, purchase a new building, and purchase long-term machinery and is also a fixed-asset lending program designed to create or retain jobs.

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Auto loans

may cover up to 80 percent of your vehicle cost, defraying the upfront price tag of your most expensive equipment.

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Equipment loans

assist with the costs of new machinery, tech and tools to help you prevent downtime and repairs. May cover up to 80 percent of your equipment costs.

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C-PACE loans

allows commercial building owners to make sustainable and energy efficient improvements cost-effective.

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Arlington County C-PACE Loans

Arlington County’s first C-PACE loan was funded through ACFCU in 2021

C-PACE, or Commercial Property Assessed Clean Energy – is a program designed to facilitate financing from qualified commercial lenders to property owners and developers to finance renewable energy production and distribution facilities, energy efficiency improvements, or water usage efficiency improvements. Generally, in order for a borrower to be eligible for C-PACE financing, at a minimum, there needs to be a physical structure permanently affixed to a piece of property that reduces its energy consumption requirements in some way, or that generates energy.

Eligible property types are commercial, industrial, multifamily residential (i.e. properties with at least 5 units), and nonprofits. Some eligible improvements to the property include, but are not necessarily limited to, solar PV systems, high-efficiency lighting, roof upgrades, water efficiency, HVAC upgrades and controls, etc. Some of the main advantages to C-PACE financing is that 100% financing is available through the program with no out-of-pocket costs and loan terms that allow for an amortization period of up to 25 years.

The first step in the application process is to go through a pre-qualification process with Arlington County’s Sustainable Real Estate Solutions (SRS) Team to determine eligibility.  This will entail submitting your application to the SRS team for review, getting that application turned into a formal proposal with the SRS team (i.e. determining the optimized project scenario, calculating key financial metrics, etc.), and then obtaining consent from the mortgage holder to make the structural changes to the property.

You can learn more about the C-PACE program, the criteria needed to apply and submit your application with Arlington County by clicking the following link. Select the Project Application Form to get started:

After the pre-qualification is complete, ACFCU, as your lender, can offer a term sheet outlining the conditions under which we can finance the C-PACE-qualified project.

To learn more about this program, contact us1.

C-PACE Loan Success Story

Rocklands Barbeque & Grilling Company

Rockland’s Barbeque & Grilling Company now has a 44-kilowatt rooftop system which reduces utility bills at the northern Virginia restaurant and curbs emissions of heat-trapping gases. This loan is the first in Virginia to utilize innovative financing designed for businesses and nonprofits to speed up affordable upgrades to greener energy.

Business owners, like John Snedden of Rockland’s, can improve the value of their building without feeling the heaviness of large out-of-pocket expenses. Immediate payback, like lower electric bills, partnered with a payment period of up to 25 years, is a win-win.

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ACFCU made my dream to power my restaurants with solar and reduce our carbon footprint a reality.

John Snedden

Meet Your Commercial Banking Lender

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Kevin Sheffield

Business Lending Manager

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Tell us a little bit about yourself, your business and your borrowing needs. We will get in touch with you within one business day1.

Why Choose Arlington

As a full-service credit union, we’re a cooperative of members like you who know that by coming together, we can all benefit in our financial journey.

Financial Empowerment

We’re here to help our members—and neighbors—meet their financial goals and live their best lives.

Rewarding Experience

We think there’s nothing more rewarding than serving our members—and believe one good turn deserves another.

Utmost Integrity

We not only meet your financial needs, we commit to being a good neighbor and serving with integrity.

The Fine Print

Equal Housing Lender.


1Please do not submit your account number or social security number via email or contact form. Information sent is at risk of loss of confidentiality if the information is transmitted over the internet.