¿Sabe usted cuál es la diferencia entre un banco y una cooperativa de ahorro y crédito?



Como obtener dinero para su pequeña empresa

How to obtain money for your small business

Are you interested in opening your own business? If so, your credit union can help. If you are about start a business, make the credit union your first stop. One of the first elements of starting a business is having the money to start your business. How much you need depends on your industry, but every business needs at least some supplies-even if it's just a computer and a cell phone. Credit unions can help with giving you options for funding your business.


Even small businesses take money to get started. Likely nobody is going to give you a grant to start your business so one option is saving money on your own. Visit your local credit union to learn more about savings accounts such as a member equity savings, money market or certificate of deposit. What type of savings account you open depends on your business plans.


Credit unions are more likely to give small businesses a chance even if other financial institutions turn them away. As you start your business, the credit union can provide the necessary funding, maybe through a home equity loan or Home Equity Line of Credit (HELOC.) A home equity loan is a type of loan where the borrower typically uses the equity in their home as collateral. A home equity line of credit is a form of revolving credit in which your home serves as collateral.

Your credit union may have other options for financing your business such as small business loans or a business credit card. Your credit union may have a credit card specifically for business purposes. Often times these credit cards have a rewards program. A rewards system is where you earn points for each dollar spent. These points might be redeemable for gift certificates, travel or cash.

Member Service

In addition to business loans, the credit union is a valuable source of advice, deposit accounts and services. Credit union services are available whenever you need them through secure online banking sites, 24 hour phone access and member service call centers.

Perhaps what's most important is that the professionals in your credit union are eager to see you succeed. You will receive top notch service and you will benefit from having both your personal and business accounts at the credit union. Good financial decisions start with good information.

Make your first stop a visit to the credit union.

Published 2/6/2012


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