Flexible Funds When You Need Them
Operating Lines of Credit
Smart, accessible financing to help your business stay ready for anything.
- Low, competitive rates for seasonal needs, working capital, trade discounts, and more.
- Greater financial flexibility with repayment tailored to your business.
- Revolving credit option—reuse funds as you repay the principal.
- Easy access to funds in person, online, or over the phone.

Put Your Equity to Work
Business Equity Line of Credit
A smart way to access lower rates and flexible funding by leveraging your business’s equity.
- Use the equity in your business real estate as collateral for your line of credit.
- Secure lower rates by backing your credit with business assets.
- Access funds easily in person, online, or over the phone.

Big Support for Small Business
Small Business Lines of Credit
Flexible credit solutions to help you manage day-to-day needs and seize new opportunities.
- Low, competitive rates for short-term or seasonal needs like inventory, equipment, and working capital.
- Both secured and unsecured options available to fit your business.
- Secure your credit with funds in a TVFCU business share account or share certificate.

Let’s Make It Happen
How to Apply
Our team is here to guide you every step of the way.
- Call us at 423-634-3600 to speak with a lending specialist and get current rates.
- Apply now through our online portal.

Meet Our Business & Commercial Services Team

Ryan Henn
AVP Manager of Commercial Lending

Shannon Amos
Commercial Lender - North Georgia

Gene Owenby
Business Lending Manager - Cleveland Area

Marcela Corral
Business Lender - North Georgia

Drew Holbrook
Senior Commercial Lender & Market Leader

Nancy Hale
Commercial Lender

Mark Fant
Business Lender/Indirect lending

Josh Denton
Business Lender
Frequently Asked Questions
Yes! We customize repayment schedules based on your business’s unique cash flow and needs.
With a revolving option, as you repay the principal, those funds become available again—so you can borrow, repay, and borrow again without reapplying.
Not necessarily—operating lines can be unsecured, but securing your line with a business share account, share certificate, or the equity in your property can help you secure lower rates.
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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