Become a UKFCU Member Today!
Joining UKFCU means you’re not just an account holder – you’re a valued member.
Business Banking
Small business or large, UKFCU is there for you.
Sometimes to build a better business, you need extra capital.
A business loan from UKFCU can help you whether you're an entrepreneur or you've been a fixture in the community. With a business loan, you can:
- Purchase inventory and equipment
- Use funds for operational expenses
- Acquire another business or expand an existing one
- Enjoy better cashflow for everyday expenses
UKFCU offers a fast and easy business loan process for qualified businesses. We're here to help you with the financial details so you can focus on growth and achieving success.
For more information about business loan options, please fill out our brief Online Business Loan Inquiry form. Note: This is not an application, but an inquiry to get the loan process started.
What you'll need when you apply.
Before you start a business loan application with UKFCU, please gather the following documentation:
- Three years of your most recent personal tax returns with schedules and statements
- Three years of your most recent business tax returns with K-1s and statements (if applicable)
- Most recent year-end profit & loss statement and balance sheet (if applicable)
- Pro forma statement (for new businesses)
- Personal financial statement signed and dated with any applicable debt schedules and/or rent rolls
Meet Lee Jackson, Commercial Relationship Officer
Since joining the UKFCU team in 2015, Lee Jackson has specialized in commercial lending and correlating it with financial success. Lee began his career in 1995, as Retail Branch Manager for a Lexington, KY-based federal credit union. From there, Lee developed his role into a 15+ year career as Vice President & Loan Manager and Dealer Specialist, before transitioning to Business Lending.
Lee holds a B.A. in Organizational Management from Midway College. It's Lee’s mission to give businesses his guidance and support, and lead them to the right financial education and options essential to their success.
Contact Lee at [email protected] or by phone at 859-264-4278.
Meet Bradley King, Commercial Relationship Officer
Before Bradley King went into banking, he knew he wanted ample opportunities for learning, growth, and to make an impact. He realized banking allowed him to do just that, and learned from successful mentors. Even as an experienced Business Banking Sales Manager, Bradley still learns something new every day. "Real-world experience is an important element of success in business banking, as are intentional learning, a commitment to continuous improvement, and the ability to be nimble."
"I cherish the connections I have built with customers," he said when asked what he loves about his work. "In an industry as relationship-driven as business banking, you are always establishing new connections which allow you to grow your knowledge and implement new strategies to approach challenges as opportunities."
Contact Bradley at [email protected] or by phone at 859-264-4143.
Basic Business Checking
UKFCU's Basic Business Checking is the perfect fit for a small business, offering ease of use that lets you focus on what really matters—growing your business.
- $25 minimum to open
- No account maintenance fee
- No minimum balance
- No cost for up to 150 debit or credit items per month
- 24-hour debit card access
- E-alerts – text and email available
Business Plus Checking
When your small business is processing more transactions, UKFCU's Business Plus Checking delivers the best value.
- $50 minimum to open
- $10 account maintenance fee
- $5,000 average minimum balance to waive maintenance fee
- No cost for up to 250 debit or credit items per month
- 24-hour debit card access
- E-alerts – text and email available
Business Premium Checking
Business Premium Checking is the ideal product for well-established businesses with consistent revenue streams processing over 250 debit or credit items monthly.
- $100 minimum to open
- $20 account maintenance fee
- Earnings credit against fees for balances maintained
- $0.15/debit or credit item per month
- 24-hour debit card access
- E-alerts – text and email available
Business Savings
When you open a business savings account at UKFCU, you earn monthly interest when your balance is at least $100. Other benefits include:
- No monthly surcharge
- Direct deposit
- Overdraft protection on your business checking account
Visa® Business Card
UKFCU's Visa Business Card can be your reliable partner. It's flexible, helpful and can make your business life easier.
Card features:
- Low credit card interest rates
- Offers flexibility for business purchases
- 24/7 fraud and loss protection
- Extended warranty on purchased items
- Earn points in the CU Rewards® program
- And so much more
Small business or large, we're here for you.
Products and services designed to make every year a banner year.
*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. UKFCU has contracted with CFS to make non-deposit investment products and services to credit union members.
