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Business Lending

Mid-Atlantic Federal Credit Union (MAFCU) offers low-rate loans and lines of credit to meet virtually every financing need, from closing temporary cash flow gaps to major business expansions. We offer a variety of financing solutions designed specifically to meet the needs of Montgomery County, Maryland businesses:

Scott Ritter Senior Vice President Commercial Credit Manager


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KC Cole Vice President Work Perks and Community Relations Manager


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  • CA$H-FLOW Business Line of Credit

    Perfect when your business needs to borrow money without committing its assets, this flexible line of credit offers:

    • Competitive terms and rate.
    • No application, renewal or pre-payment fees.
    • No collateral requirement.
    • Convenient anytime access to funds.
    • Overdraft protection for Member Business or Commercial Checking accounts.
    • Credit limits up to $50,000. (minimum credit request: $10,000)
  • Business Visa®

    Give your small business the purchasing convenience, cost savings, available credit and detailed reporting of a Business Visa® from Mid-Atlantic Federal Credit Union (MAFCU). Available to qualifying businesses in Montgomery County, Maryland, this card gives you what you need to nurture your small business and help it thrive:

    • Essential for travel, entertainment and other business expenses.
    • Enhances your cash flow and makes it easier to keep business expenses separate from your personal spending
    • Credit limits based on personal and business credit history and the assets of your business.
    • Ability to order additional cards for your employees with spending limits.
    • ScoreCard Bonus Points, the rewards program that offers brand name merchandise, travel offers-use anytime (no blackout dates) on any major airline, and now cash for your business. You earn a base rate of 1 point per $1 spent. Take advantage of our Householding feature to combine bonus points from multiple cards in order to gain
  • Healthcare Lending Program

    Mid-Atlantic Federal Credit Union (MAFCU) has a dedicated Healthcare Lending Program focused on providing specialized services catered to the needs of each unique medical practice. Our relationship managers, Scott Ritter and KC Cole, have the in-depth understanding of the complex issues facing medical providers. This enables us to customize solutions that will support your goals and optimize your capital structure.

    • Dentists
    • Ambulatory Surgery Centers
    • Diagnostic Imaging Centers
    • Senior Living and Long-term Care Facilities
    • Physician Practices
    • Allied Practitioners (e.g. Optometrists, Podiatrists)

    MAFCU offers customized traditional and government-guaranteed (SBA 7A/504) healthcare financing solutions with flexible terms and repayment structures tailored to fit a multitude of situations:

    Working Capital Financing

    • Finance healthcare receivables
    • Start-up working capital for new facilities, staff additions
    • Cash flow management for seasonal, merging or transitioning practices
    • Cash flow to support slow reimbursement and reduced rates

    Commercial Term Loans & Healthcare Real Estate

    • Debt Refinancing
    • Enterprise Term Loans
    • Partner Buy-Ins/Outs
    • Medical Equipment Purchases
    • Financing for Leasehold/Tenant Improvements
    • Purchase of Real Estate
    • Financing for New Construction/ Practice Build-out
    • No Prepayment Fee
    • Medical Practice Premium Financing

    Lending Program

    Lending Malpractice Insurance Brochure

Find the MAFCU financing solution that's right for your business.

Email our experienced business loan professionals today.