Building lifelong relationships with our members to help them achieve their financial goals.

Winter 2012 - Vol. 6, No. 1

Travis Credit Union - Home
 

Dave Purcell
VP, Business Services and Real Estate Lending

Business Matters –
Former bank customers are also
moving their business accounts

News headlines about consumers' dissatisfaction with bank fees and service has brought millions of new members to credit unions across the country. Small business owners are taking note, with the result that we are opening many new business accounts.

We hear that many small business owners are unhappy with their bank. So, why haven't they changed? It may seem like a challenging process to move your accounts, but we'll work with you step by step, so nothing falls through the cracks. If you're considering switching your business accounts, you'll save money and receive much better service at Travis Credit Union.

Here's what a few of our business members had to say recently about our Business Services:

"Travis Credit Union was very accommodating and provided a better loan package than the competition ... Being an employer, I am keenly aware of customer service when I am at other businesses; the team at TCU shows an interest in the members they are serving."

"If you want to save money and not be nickel & dimed every time you go to the bank, I would strongly recommend switching to Travis Credit Union."

"I also have my business checking with Travis Credit Union and use my business checking debit card for 99% of my business purchases ... As a small business, every dollar matters, which is why using a credit union is preferable to using a bank."

"We deal often with Travis Credit Union Business Services and have always been treated as if we are the only members. TCU has very competitive products and the service is always prompt and courteous."

If you're tired of paying high fees and putting up with bad service at your big bank, switch to Travis Credit Union and take advantage of our Free Business Checking or Free Non-profit Business Checking accounts. We also offer Business Bill Pay, ACH payments, tax payments, merchant card services and all types of Small Business Loans and SBA loans.

Isn't it time to bring your business accounts to TCU?
Our Web site has all of our services and reference materials for all kinds and sizes of businesses. The "Useful Links" section takes you to general business news, IRS forms, Secretary of State and Franchise Tax Board information and business information from nearby counties. You'll also find amazing, free advice on marketing, sales, business planning, funding options, cash flow and start-up assistance from Small Business Development Centers* around Northern California.

If your thinking of starting a new business or looking for advice on adapting your business to the current economy, start by talking with a nearby Small Business Development Center (SBDC) Small Business Specialists ... for FREE. They are located at Solano College, Napa Valley College and the Contra Costa SBDC in Pleasant Hill. Visit the Association of Small Business Development Centers Web site at www.asbdc-us.org to find the nearest SBDC, or call Rayanne Berry, Business Services Manager, at (707) 469-1964 or toll free at (800) 877-8328, ext. 61964# during regular business hours.


 

Rayanne Berry
Business Services
Manager


Why isn't your business banking at TCU?

If you're a business owner, it makes perfect sense to move your business relationship to Travis Credit Union. Why put up with the hassle of having your business accounts at one bank and your personal accounts at another? TCU has the financial strength and full spectrum of Business Services that make it convenient and easy to bank with us.

Are you looking for a loan to start-up or expand your business? Do you need a business line-of-credit? Are you wanting to buy commercial real estate or just refinance your existing commercial property?

  • Unlike banks, our business loans have no prepayment penalties

  • Commercial Real Estate interest rates are at an all time low

  • SBA 504 Loan program only requires 10% down on Commercial Real Estate loans

Let us show you how you can save money by moving your business banking to Travis Credit Union. Please call Rayanne Berry, Business Services Manager, at (707) 469-1964 or toll free at (800) 877-8328, ext. 61964# during regular business hours.

The myths of SBA loans:

Myth: The SBA is the last resort.

False.
The SBA does speed funds to businesses in areas hard hit by natural disasters, but the SBA's bread and butter is guaranteeing loans made by local lenders to viable businesses.



Myth: SBA funds loans with government money.

False.
Credit unions and banks make the loans according to SBA guidelines. The SBA provides a guaranty to partially reimburse the lender if the borrower defaults.

Myth: SBA loans take forever to get.

False.
It is typically a six-week process if the borrower has their financial information and business plans in order.

Myth: You'll get buried in paperwork.

False.
The paperwork is pretty much consistent with what any business lender would ask for.

Myth: You need a Ph.D. to put together a business loan application.

False.
We can quickly tell you what is needed.

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Federally insured by NCUA.
NMLS registered. Equal Housing Lender.