Equipment Loans
Power your business by upgrading, expanding, or replacing the tools you need to thrive with flexible financing and personalized local support at every step.
Apply Now

Equipment Loans
Power your business by upgrading, expanding, or replacing the tools you need to thrive with flexible financing and personalized local support at every step.

The Right Loan for Your Business
Commercial Real Estate Loan
Whether you’re expanding or investing in property, our Commercial Real Estate Loans come with competitive rates and personalized terms—so you can grow your business your way!
Business Auto Loan
Drive your business forward with up to 100% financing on new or used vehicles. Fast approvals and low fixed rates make it easy—whether you’re rolling out one ride or a whole fleet.
Equipment Loan
Boost your business with the equipment you need—new or used—with flexible financing that fits your needs. From heavy-duty machines to everyday tools, we make it quick and easy with fast approvals and great rates.
Business Lines of Credit
Stay prepared for whatever comes your way with a revolving Business Line of Credit. Access cash when you need it, flexible repayment terms on what you use, and keep your business moving.
Commercial Real Estate Loan | Business Auto Loan | Equipment Loan | Business Lines of Credit | |
|---|---|---|---|---|
| Loan Purpose | Purchase or refinance commercial property | Purchase new or used vehicles for business use | Purchase or refinance new or used business equipment | Flexible working capital needs |
| Loan Amount | Varies | Varies | Varies | Varies |
| Terms | Flexible; customized | Up to 84 months | Customized based on equipment | Revolving; renewable annually |
| Collateral Required | Yes | Yes | Yes | May be required |
| Features | Fixed or variable rate; for owner-occupied or investment properties | Competitive fixed rates; quick approval; finance one or a fleet | Fast processing; fixed rates; includes heavy machinery | Only pay interest on funds used; quick access to funds |
Commercial Real Estate Loan
| Loan Purpose | Purchase or refinance commercial property |
|---|---|
| Loan Amount | Varies |
| Terms | Flexible; customized |
| Collateral Required | Yes |
| Features | Fixed or variable rate; for owner-occupied or investment properties |
Compare Accounts
Business Auto Loan
| Loan Purpose | Purchase new or used vehicles for business use |
|---|---|
| Loan Amount | Varies |
| Terms | Up to 84 months |
| Collateral Required | Yes |
| Features | Competitive fixed rates; quick approval; finance one or a fleet |
Compare Accounts
Equipment Loan
| Loan Purpose | Purchase or refinance new or used business equipment |
|---|---|
| Loan Amount | Varies |
| Terms | Customized based on equipment |
| Collateral Required | Yes |
| Features | Fast processing; fixed rates; includes heavy machinery |
Compare Accounts
Business Lines of Credit
| Loan Purpose | Flexible working capital needs |
|---|---|
| Loan Amount | Varies |
| Terms | Revolving; renewable annually |
| Collateral Required | May be required |
| Features | Only pay interest on funds used; quick access to funds |
Compare Accounts
Why Choose an Equipment Loan?
Empower Your Business With the Right Tools
TVFCU makes it simple to stay competitive, productive, and protect your bottom line with flexible financing options.
- Low rates for both new and used equipment.
- Repayment terms tailored to fit your business budget.
- Keep your cash flow strong—no need to tap into savings.
- Take advantage of fast, local decision-making and processing.
- Enjoy attentive, friendly support from application to closing.
Let us help you get the equipment you need to move your business forward.
Apply Now
Let’s Make It Happen Together
Apply Today!
Our team is here to guide you every step of the way.
- Call us at 423-634-3600 to connect with a local lending expert and get the latest rates.
- Apply online anytime through our secure, easy-to-use portal.

Meet Our Business & Commercial Services Team

Ryan Henn
AVP Manager of Commercial Lending

Ryan Henn
(423) 634-3505ryan.henn@tvfcu.com
AVP Manager of Commercial Lending
Ryan has dedicated his career to helping small business owners turn their dreams into reality. After graduating from Bryan College with a degree in Business Management in 2010, he worked at a community bank in his hometown of Winchester, Tenn. Once moving to the Scenic City, he taught business owners the keys to succeed as a senior small business counselor with the Tennessee Small Business Development Center. Today, he helps entrepreneurs of all stages find the best loan for their needs.
When Ryan’s not helping members, he can be found networking at community events. And after work, he enjoys playing softball and golf.

Shannon Amos
Commercial Lender - North Georgia

Shannon Amos
(423) 634-3600 ext: 2413shannon.amos@tvfcu.com
Commercial Lender - North Georgia
Originally from Chatsworth, Georgia, Shannon earned a degree in business and management from Dalton State College. He serves on the board and as treasurer for the Dalton Civitan Club, he is a graduate of the Greater Dalton Chamber of Commerce’s Leadership Dalton-Whitfield program and he is a graduate and current co-chair of the chamber’s Emerging Leaders Institute.
Outside of work, Shannon enjoys mountain biking, camping, staying active in his church and spending time with his wife and three children.

Gene Owenby
Business Lending Manager - Cleveland Area

Gene Owenby
(423) 634-3696gene.owenby@tvfcu.com
Business Lending Manager - Cleveland Area
Gene is ready to help meet the needs of small businesses. He is a native of Cleveland, where began his career in financial services in 1999. He is a graduate of Berry College and has completed Leadership programs through the Chamber of Commerce in Athens and Cleveland. Gene joined TVFCU in 2007, serving as a loan officer in Indirect Lending and has managed several TVFCU branches. In 2019 he joined the Business & Commercial Services team as a business lender covering the Cleveland, Athens and Dayton markets, but is ready to assist members in all 17 counties.
Gene is happily married to Kathy, together they have three daughters and one grandson. He enjoys spending time with his family and doing DIY projects with his wife. You can also find him in the great outdoors — golfing, fishing and hunting.

Marcela Corral
Business Lender - North Georgia

Marcela Corral
marcela.corral@tvfcu.comBusiness Lender - North Georgia
Marcela is our bilingual Business Lender for TVFCU. Originally from Zacatecas, Mexico, Marcela migrated to the United States at the young age of four. In 2017, she began her financial career with a small community bank in the heart of Dalton, Georgia, where she cultivated a passion for lending. Marcela's diverse background and extensive banking experience have been instrumental in helping businesses grow and develop, empowering them through financial literacy and business lending. She is a proud alumna of Belhaven University and enjoys volunteering with local charities.
Outside of her professional life, Marcela enjoys spending time with her husband and beloved fur baby. She finds joy in outdoor activities such as hiking, camping, and spending time at the lake. When she is not outdoors, she enjoys dancing and painting.

Drew Holbrook
Senior Commercial Lender & Market Leader

Drew Holbrook
(423) 634-5695drew.holbrook@tvfcu.com
Senior Commercial Lender & Market Leader
Drew, as senior commercial lender, will work with the business and commercial services department to extend loans to businesses across TVFCU’s 17-county service area. This includes loans as small as $2,500, like in the Idea Leap Loan program, to multi-million dollar lending. Before entering the credit union space, Holbrook worked in the banking industry for nearly 18 years. Holbrook lives in Athens, TN, with his wife and three children.
“Banking has changed a lot over the years,” said Holbrook. “As bigger banks continue to acquire smaller banks, I think it leads the industry away from the community-oriented focus that we need. I want to get back to that community feeling which being a community focused commercial lender with TVFCU allows me to accomplish.”

Nancy Hale
Commercial Lender

Nancy Hale
(423) 634-3732nancy.hale@tvfcu.com
Commercial Lender
Nancy joined TVFCU after working in the banking industry for more than 30 years. She brings both consumer and commercial lending experience to the not-for-profit credit union. In her role in TVFCU’s Business and Commercial Services Division, Nancy will help business members secure funding.

Mark Fant
Business Lender/Indirect lending

Mark Fant
(423) 634-3625mark.fant@tvfcu.com
Business Lender/Indirect lending
Mark is a Business Lender for TVFCU. He works closely with dealerships to help meet the needs of businesses to purchase commercial fleet vehicles.
Mark is a Chattanooga native and has worked for TVFCU for over 10 years. He holds a Bachelor’s Degree in Business Administration from UTC and an MBA from Bryan College. Mark enjoys camping, hiking, coaching soccer, and spending time with his family.

Josh Denton
Business Lender

Josh Denton
(423) 634-3731josh.denton@tvfcu.com
Business Lender
Josh was recently promoted to business lender, and he has been with TVFCU for over 15 years. He previously worked in various branches assisting members with loan processes.
Now, Josh is responsible for managing business loans primarily involving vehicles and equipment. Josh lives in Cleveland with his wife and their 16-year-old daughter.
“I enjoy being involved in the community and understanding it better,” said Josh. “I have a job where I get to help people and watch my hometown find growth and success.”

Ryan Henn
AVP Manager of Commercial Lending

Ryan Henn
(423) 634-3505ryan.henn@tvfcu.com
AVP Manager of Commercial Lending
Ryan has dedicated his career to helping small business owners turn their dreams into reality. After graduating from Bryan College with a degree in Business Management in 2010, he worked at a community bank in his hometown of Winchester, Tenn. Once moving to the Scenic City, he taught business owners the keys to succeed as a senior small business counselor with the Tennessee Small Business Development Center. Today, he helps entrepreneurs of all stages find the best loan for their needs.
When Ryan’s not helping members, he can be found networking at community events. And after work, he enjoys playing softball and golf.
Apply With Ryan Apply For a HELOC With Ryan

Shannon Amos
Commercial Lender - North Georgia

Shannon Amos
(423) 634-3600 ext: 2413shannon.amos@tvfcu.com
Commercial Lender - North Georgia
Originally from Chatsworth, Georgia, Shannon earned a degree in business and management from Dalton State College. He serves on the board and as treasurer for the Dalton Civitan Club, he is a graduate of the Greater Dalton Chamber of Commerce’s Leadership Dalton-Whitfield program and he is a graduate and current co-chair of the chamber’s Emerging Leaders Institute.
Outside of work, Shannon enjoys mountain biking, camping, staying active in his church and spending time with his wife and three children.
Apply With Shannon Apply For a HELOC With Shannon

Gene Owenby
Business Lending Manager - Cleveland Area

Gene Owenby
(423) 634-3696gene.owenby@tvfcu.com
Business Lending Manager - Cleveland Area
Gene is ready to help meet the needs of small businesses. He is a native of Cleveland, where began his career in financial services in 1999. He is a graduate of Berry College and has completed Leadership programs through the Chamber of Commerce in Athens and Cleveland. Gene joined TVFCU in 2007, serving as a loan officer in Indirect Lending and has managed several TVFCU branches. In 2019 he joined the Business & Commercial Services team as a business lender covering the Cleveland, Athens and Dayton markets, but is ready to assist members in all 17 counties.
Gene is happily married to Kathy, together they have three daughters and one grandson. He enjoys spending time with his family and doing DIY projects with his wife. You can also find him in the great outdoors — golfing, fishing and hunting.
Apply With Gene Apply For a HELOC With Gene

Marcela Corral
Business Lender - North Georgia

Marcela Corral
marcela.corral@tvfcu.comBusiness Lender - North Georgia
Marcela is our bilingual Business Lender for TVFCU. Originally from Zacatecas, Mexico, Marcela migrated to the United States at the young age of four. In 2017, she began her financial career with a small community bank in the heart of Dalton, Georgia, where she cultivated a passion for lending. Marcela's diverse background and extensive banking experience have been instrumental in helping businesses grow and develop, empowering them through financial literacy and business lending. She is a proud alumna of Belhaven University and enjoys volunteering with local charities.
Outside of her professional life, Marcela enjoys spending time with her husband and beloved fur baby. She finds joy in outdoor activities such as hiking, camping, and spending time at the lake. When she is not outdoors, she enjoys dancing and painting.
Apply With Marcela Apply For a HELOC With Marcela

Drew Holbrook
Senior Commercial Lender & Market Leader

Drew Holbrook
(423) 634-5695drew.holbrook@tvfcu.com
Senior Commercial Lender & Market Leader
Drew, as senior commercial lender, will work with the business and commercial services department to extend loans to businesses across TVFCU’s 17-county service area. This includes loans as small as $2,500, like in the Idea Leap Loan program, to multi-million dollar lending. Before entering the credit union space, Holbrook worked in the banking industry for nearly 18 years. Holbrook lives in Athens, TN, with his wife and three children.
“Banking has changed a lot over the years,” said Holbrook. “As bigger banks continue to acquire smaller banks, I think it leads the industry away from the community-oriented focus that we need. I want to get back to that community feeling which being a community focused commercial lender with TVFCU allows me to accomplish.”
Apply With Drew Apply For a HELOC With Drew

Nancy Hale
Commercial Lender

Nancy Hale
(423) 634-3732nancy.hale@tvfcu.com
Commercial Lender
Nancy joined TVFCU after working in the banking industry for more than 30 years. She brings both consumer and commercial lending experience to the not-for-profit credit union. In her role in TVFCU’s Business and Commercial Services Division, Nancy will help business members secure funding.
Apply With Nancy Apply For a HELOC With Nancy

Mark Fant
Business Lender/Indirect lending

Mark Fant
(423) 634-3625mark.fant@tvfcu.com
Business Lender/Indirect lending
Mark is a Business Lender for TVFCU. He works closely with dealerships to help meet the needs of businesses to purchase commercial fleet vehicles.
Mark is a Chattanooga native and has worked for TVFCU for over 10 years. He holds a Bachelor’s Degree in Business Administration from UTC and an MBA from Bryan College. Mark enjoys camping, hiking, coaching soccer, and spending time with his family.
Apply With Mark Apply For a HELOC With Mark

Josh Denton
Business Lender

Josh Denton
(423) 634-3731josh.denton@tvfcu.com
Business Lender
Josh was recently promoted to business lender, and he has been with TVFCU for over 15 years. He previously worked in various branches assisting members with loan processes.
Now, Josh is responsible for managing business loans primarily involving vehicles and equipment. Josh lives in Cleveland with his wife and their 16-year-old daughter.
“I enjoy being involved in the community and understanding it better,” said Josh. “I have a job where I get to help people and watch my hometown find growth and success.”
Apply With Josh Apply For a HELOC With Josh
“I love this bank. TVFCU is very customer oriented, friendly, and most importantly: convenient. There are many locations throughout Chattanooga and the surrounding counties to choose from.”
-B.L S., Chattanooga
Frequently Asked Questions
You can finance both new and used equipment essential for your business operations—whether it’s heavy machinery or smaller tools.
No. By financing instead of using savings or other cash reserves, you preserve working capital for daily operations.
Whether you’re paying your TVFCU loans or making payments from another financial institution, tvfcuPAY offers a convenient and secure solution, accessible through YOUR$, by calling us, or by logging in to the tvfcuPAY portal directly.
Pay your TVFCU loans using funds from your TVFCU accounts or other financial institutions, enjoy an intuitive platform designed for ease of use, and rest easy knowing your information is protected with advanced security measures.
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