It's our goal to help local businesses grow.

Working capital and timely financing to help you succeed.

At Ventura County Credit Union, we know timing is everything in the business world.

Our members tell us that immediate access to decision makers, flexible financing solutions and rapid turnaround are among their most important considerations when choosing Ventura County Credit Union to provide credit for their businesses. Our background and experience in tailoring financing to fit your business goals is what sets Ventura County Credit Union apart from our competitors. 

VCCU Commercial Lending Specialists take the time to understand your immediate needs and long-range plans, and make sure you get the products that meet your unique needs.

We offer

  • Business Term loans to purchase equipment, pursue expansion opportunities, and much more
  • Lines of Credit for working capital to purchase inventory, cover repair costs, or simply get through your busy season with a revolving credit line.
  • Commercial Real Estate loans to purchase or refinance
  • Construction loans for commercial or investment projects

SBA Loans

Small businesses can get funds to cover start-up costs, major purchases or real estate deals, with loans backed by the U.S. Small Business Administration. As a Preferred SBA Lender, VCCU offers a streamlined process for quick approvals of SBA 7(a) Loans, SBA 504 Loans, and SBA Express Loans.

SBA U.S. Small Business Administration logo

Approved to offer SBA loan products under SBA’s Preferred Lender Program

VCCU is a full-service, Southern California credit union with branches in Ventura, Port Hueneme, Oxnard, RiverPark, Camarillo, Thousand Oaks, Simi Valley and Moorpark. If you live, work or attend school in Ventura or Santa Barbara Counties, you are eligible to join



We moved to Ventura 8 years ago and looked for a local credit union. VCCU had the least amount of fees than everyone and had the nicest customer service! VCCU also helped us get our pool business started.

Stephanie S., Ventura Branch

All loans subject to approval.