Business Loans


Micro & Commercial Business Loans - HERE to MEET YOUR NEEDS

Whether you are looking to start a business, optimise or expand your business, we have a number of solutions that are tailored for you. We are committed to educating, advising and uplifting local entrepreneurs and business owners to fulfill their maximum potential. With our highly competitive funding packages for start-ups, we will help you turn your ideas and dreams into reality.

  • Startup Capital
  • Control Expenses
  • Raise funds
  • Maintain control of your business

Understanding exactly why you need funding is pivotal to selecting the best solution for your business.

SMART Micro-Package

Flexible Cash Facility and Business Support*

  • Do you need extra funds at short notice?
  • Do you need to purchase stock or equipment to meet a major order?


  • Business Credit Facility of up to $7,500
  • Business loans tailored to your needs (Automobile, Refinance, business expenses etc.)
  • Secured loan up to $25,000
  • Repayment period up to 7 years
  • Electronic Banking Services
  • SurePay Conveniences

For those that have additional funding needs or are looking to upgrade or expand their existing business

*Borrower must agree to work with a recommended Business Support Organisation to secure additional assistance to sustain the business

SMART Business Loan

Do you need a major equipment purchase to increase your output?
Do you need to retrofit your business to become more efficient?


Choose from any BWUCCU product and have it tailored to your needs (Loans, Insurance, Commercial mortgage….)

  • Attractive interest rate to help your business GO GREEN.
  • Secured Select line of credit up to $15,000
  • Secured business loans tailored to your needs
  • Borrow up to $650,000 for mortgages
  • Repayment period up to 15 years.


Startup Capital

  • Secured Loans – get your business idea off to a good start

Flexible Cash Facility and Business Support

  • Secured Lines of Credit – make sure you are always ready for the surprises

Developmental Loans

  • Equipment and Vehicle Loan - for the things that make your business run.
  • Refinancing – we can save you money through consolidation and refinancing

Expansion Loan

  • Commercial Real Estate Loan - real estate loans for a variety of business properties whether you are buying an existing property or building your own
  • Renovation and market Penetration – access funds to renovate, assist in marketing, R&D to grow your business

Micro Financing

  • Major Investments – meeting your needs with the assistance of the Credit Guarantee Scheme of the Central Bank of Barbados