Commercial Loans

Commercial Loans

Locations

Make sure your business has the tools for growth and success. Robins Financial Credit Union offers a broad range of loan services tailored to meet the needs of our business members. We understand your need for a trusted financial partner. That’s why we offer a wide variety of business loans to choose from.

Construction Loans

Construction Loans

Commercial Equipment

Commercial Equipment

Business Automobiles

Business Automobiles

  • Commercial Real Estate Loans - Purchase or Refinance
  • SBA 504
  • Revolving Lines of Credit - Secured or Unsecured
  • Business Visa® Platinum

For more information or to apply for a commercial loan, please contact our Commercial Loan Department at 478-923-3773, ext. 2240.

No matter how small or large your business, at Robins Financial Credit Union we’ll help you every step of the way. With checking, commercial loans, Money Market accounts and a Business Partner Program, we have all the right accounts for your business.

Information you will need to Open a Business Account:

When opening a business account, all banking institutions are required to obtain information verifying the business as well as the individuals associated with the business. The list of business types below will help you quickly and easily determine the documents needed.

Sole Proprietorship

Required Documentation:
  • Complete the Certification of Beneficial Owner(s) Form – see instructions for completion details
  • Two Forms of Identification – needed for any individual listed on Certification of Beneficial Owner(s) Form. Any of the following are acceptable
    • State Issued Driver’s License
    • State Issued Identification Card
    • Government issued ID or passport
    • State of Georgia Weapon’s carry license (new version with picture)
    • SSN Card
  • IRS EIN Assignment Letter – document provided by the IRS containing proof of EIN assignment (If using EIN to establish membership)
  • If Operating as DBA:
    • DBA Trade Name Registration – received from the clerk of the superior court of the county in which business is conducted
    • Business License – received from the city or county in which business is conducted

LLC

Required Documentation:
  • Complete the Certification of Beneficial Owner(s) Form – see instructions for completion details
  • Two Forms of Identification – needed for any individual listed on Certification of Beneficial Owner(s) Form. Any of the following are acceptable:
    • State Issued Driver’s License
    • State Issued Identification Card
    • Government issued ID or passport
    • State of Georgia Weapon’s carry license (new version with picture)
    • SSN Card
  • Complete the Business Resolution Form – this form identifies managing members and individuals authorized to act on behalf of entity
    • Section One - complete information on Business Entity
    • Section Two - date of meeting at which resolution was adopted should be dated when the resolution is signed
    • Section Three - identifies the Responsible Individual(s) that will be on the Account and their title
    • Section Four – Corporations/LLC/Professional Corp: should have date and secretary’s signature
  • Secretary of State Registration/Certification – entity must be either Active/Compliant or Active/Owe for the Current Year
  • Certificate/Articles of Organization or Operating Agreement – shows formation of entity with Secretary of State
  • IRS EIN Assignment Letter – document provided by the IRS containing proof of EIN assignment (If using EIN to establish membership)
  • If Operating as DBA:
    • DBA Trade Name Registration – or DBA name must be stated in Articles of Organization

Corporation

Required Documentation:
  • Complete the Certification of Beneficial Owner(s) Form – see instructions for completion details
  • Two Forms of Identification – needed for any individual listed on Certification of Beneficial Owner(s) Form. Any of the following are acceptable:
    • State Issued Driver’s License
    • State Issued Identification Card
    • Government issued ID or passport
    • State of Georgia Weapon’s carry license (new version with picture)
    • SSN Card
  • Complete the Business Resolution Form – this form identifies managing members and individuals authorized to act on behalf of entity
    • Section One - complete information on Business Entity
    • Section Two - date of meeting at which resolution was adopted should be dated when the resolution is signed
    • Section Three - identifies the Responsible Individual(s) that will be on the Account and their title
    • Section Four – Corporations/LLC/Professional Corp: should have date and secretary’s signature
  • Secretary of State Registration/Certification – entity must be either Active/Compliant or Active/Owe for the Current Year
  • Letter authorizing use of TIN – (If operating under a Parent Organization’s TIN, a letter from the Parent Organization giving authority to use the TIN is required)
  • IRS EIN Assignment Letter – document provided by the IRS containing proof of EIN assignment
  • If Operating as DBA:
    • DBA Trade Name Registration – or DBA name must be stated in Articles of Incorporation

 

Association/Organization/Informal Non-Profit Organization

Required Documentation:
  • Complete the Certification of Beneficial Owner(s) Form – see instructions for completion details
  • Two Forms of Identification – needed for any individual listed on Certification of Beneficial Owner(s) Form. Any of the following are acceptable:
    • State Issued Driver’s License
    • State Issued Identification Card
    • Government issued ID or passport
    • State of Georgia Weapon’s carry license (new version with picture)
    • SSN Card
  • Complete the Business Resolution Form – this form identifies managing members and individuals authorized to act on behalf of entity
    • Section One - complete information on Business Entity
    • Section Two - date of meeting at which resolution was adopted should be dated when the resolution is signed
    • Section Three - identifies the Responsible Individual(s) that will be on the Account and their title
    • Section Four – Certification of Owners of Organization of Club: date, signature of ALL officers listed on the current minutes
  • Current Meeting Minutes
    • Must list current owners/officers of organization and must be signed
    • Must identify if they are opening an account, adding individuals, and/or removing individuals with Robins Financial
    • Must be signed by the secretary or similar title
    • Must be on letterhead and typed
    • ALL officers listed in minutes MUST sign section 4 of the Robins Financial Business Account resolution
  • IRS EIN Assignment Letter – document provided by the IRS containing proof of EIN assignment (If using EIN to establish membership)

 

Partnership

Required Documentation:
  • Complete the Certification of Beneficial Owner(s) Form – see instructions for completion details
  • Two Forms of Identification – needed for any individual listed on Certification of Beneficial Owner(s) Form. Any of the following are acceptable:
    • State Issued Driver’s License
    • State Issued Identification Card
    • Government issued ID or passport
    • State of Georgia Weapon’s carry license (new version with picture)
    • SSN Card
  • Complete the Business Resolution Form – this form identifies managing members and individuals authorized to act on behalf of entity
    • Section One - complete information on Business Entity
    • Section Two - date of meeting at which resolution was adopted should be dated when the resolution is signed
    • Section Three - identifies the Responsible Individual(s) that will be on the Account and their title
    • Section Four – Partnerships: date and signature of Partners
  • Secretary of State Registration/Certification – if registered, entity must be either Active/Compliant or Active/Owe for the Current Year
  • Statement of Partnership or Partnership Agreement
  • IRS EIN Assignment Letter – document provided by the IRS containing proof of EIN assignment
  • If Operating as DBA:
    • DBA Trade Name Registration – or DBA name must be stated in Articles of Incorporation

After you review our solutions, contact us to open an account today. Business Accounts (Checking, Savings and Money Market) can be opened at any branch location. For Commercial Loans and Business Credit Cards please contact our Commercial Loan department at 478-923-3773 or 800-241-2405 x. 2240, or by email at BusinessServices@robinsfcu.org. Our goal is to make your transition to Robins Financial simple and painless.