Small Business Loans

business meeting

Small businesses stand to gain significant benefits from small business loans no matter what stage of operations they are in. Whether they are just getting started, trying to recover from a loss, or embarking on an expansion project, a strategically-timed loan could help them achieve their immediate goals.

At Wallkill Valley Federal Savings & Loan, we know just how crucial a loan could be for a business. We are proud to have enabled many small and medium-sized local businesses to achieve the next stage of growth and development with our range of loans and competitive rates. WVFSL is known for its affinity for small business owners, at least we hope so.  After all, small business owners are some of our favorite people.

How WVFSL’s Small Business Loans Benefit Entrepreneurs

A Variety of Loans

There are different types of loans available to businesses, each one designed to meet specific business needs. Some loans are intended for the startup stage of the enterprise, while others are designed for upgrade and expansion stages.  We want to get to know you and learn as much about your business as we can so that we are able to offer the type of loans that will best suit your needs.

Competitive Rates

When you are shopping for a loan, you want to make sure you get the best rate possible.

Interest rates on small business loans are dependent on a variety of factors such as the viability of the business, the length of the loan, the borrower’s credit, and the state of the business.  Our unique approach to lending is a benefit for a small business owner.  All of our loan approvals are done in house by people who know and understand the business and the community.  We also want to get our customers the best rates possible!


Cash flow is one area that all business owners need help with at one time or another.  The availability of funding is one reason why small business loans are so beneficial. Having access to the cash you need to hire a new employee, purchase more inventory, or move to a new location makes the growth of your business easier! And with online applications available, getting started is now simpler than ever.

At Wallkill Valley Federal Savings & Loan, small business owners are our favorite people. We are always ready and willing to help you grow and develop your business. If you would like to know more about how we can put our extensive business banking experience to work for you, call Michael Cappillino (NMLS#24544) at 845-895-2051 ext. 454 or Domenic Baiocco (NMLS#1632788) at 845-895-2051 ext. 438.