To find out more about how FirstLight can help you and your business, call one of our

Business Member Service representatives today!

El Paso BrAnches915-562-1172

9993 Kenworthy St., 5050 N. Desert Blvd& 1555 Lee Trevino

Fort Bliss BRANCHES 1741 Marshall Rd., 20727 Constitution Ave.,

WBAMC - 1st Floor

Las Cruces BrAnches575-526-4401

300 E. Foster Rd., 3105 Del Rey Blvd. & 3791 E. Lohman

www.firstlightfcu.orgemail: cumail@firstlightfcu.org

1-800-351-1670

BUSINESS SERVICES

Member NCUA and an Equal Opportunity Housing Lender. We do business in Accordance with the Federal Fair Housing Law and the Equal Opportunity Act.

FirstLightFCU.org

BANKING ON YOUR FUTUREBANKING ON YOUR FUTURE

FirstLight cAn help you And

your business

BUSINESSLENDING

As a Business Person, you’ve heard the phrase, “It takes money to make money.” At FirstLight Federal Credit Union, we are proud to offer a complete line of lending options that are designed around the needs of your business, while offering you competitive rates and service that is unbeatable. When it comes to business loans, remember that we take your success personally at FirstLight Federal Credit Union!

Business Term LoAnsWhen it’s time to purchase or modernize your company’s assets, consider a Business Term Loan from FirstLight Federal Credit Union! This is a great choice if your business is: • Purchasing equipment or making improvements • Making additions to long-term working capital • Expanding or modernizing facilities • Purchasing vehicles or business transportation • No prepayment penalties

Often, loan repayment can be made with the enhanced cash flow resulting from these assets. The loan period is based on the productive life of the assets, which means that loans used to buy computers and office furniture will be shorter in duration than those used to buy manufacturing equipment.

Business ReAl EstAteYou’ll find that FirstLight Federal Credit Union offers competitive financing for Business Real Estate, including purchasing land, existing buildings, or refinancing a current loan. These loans use the property as collateral and are often used for: • Commercial properties, both owner- and non-owner occupied • Rental properties • Apartment complexes • Combination business/residential properties

We know that every real estate transaction can be unique, so FirstLight offers a flexible, customized program designed around your needs. Commercial real estate loans are amortized over a set period of time, with payments and interest rates fixed over a 5-year, 10-year, or 15-year term.

Business LendingLines of CreditBorrow only as much money as you need, when you need it, with a FirstLight Federal Credit Union Business Line of Credit. You can borrow a specific amount and pay it down repeatedly, thereby balancing your cash flow needs with a convenient source of short-term funds. Simple and easy to use, the Line of Credit gives you excellent advantages: • Cover short-term expenses until accounts receivable are collected • Take advantage of supplier discounts • Accommodate seasonal expenses

A Business Line of Credit is generally secured by your business assets, and can be renewed annually.

Business Credit CArdsThe FirstLight Federal Credit Union Visa® Business Credit Card provides a flexible way to streamline purchases and control your expenses. The Visa® Business Credit Card allows you to: • Separate business from personal expenses • Issue cards to employees for purchase and travel • Set the spending limit on each employee’s card