Term Loans
Empower your business growth
At Jovia, we understand that timely financing is crucial for your business’ success. Our Business Term Loans offer the capital you need to expand operations, purchase equipment, or manage cash flow effectively.
Benefits of a Jovia Business Term Loan
- Competitive interest rates
- Loan amounts from $10,000 to $50,000
- Fixed 60-month term with predictable payments
- Quick decisioning process
- No prepayment penalties
- Available to established businesses with at least two years in operation
Ready to get started?
With predictable payments and competitive rates, Business Term Loans are designed to support your long-term goals while keeping your budget on track. Whether you’re growing your team or upgrading your operations, a Business Term Loan gives you the capital to move forward with confidence. Apply today and receive a quick decision to get started on your next big step.
Looking for a larger Business Term Loan?
Contact our Business Lending Specialist today to learn more about Business Term Loans over $50,000.
Meet our Team
Our team is here to help your business succeed. We work with you one-on-one to assess your needs and structure the best financing deal for your bottom line. Connect with us to get started.
Andrew Saluk
Andrew Saluk
With over 30 years of experience in commercial lending, Andrew Saluk has been a key player at Jovia Financial Credit Union since 2011. Starting as a commercial broker and working through various regional institutions, Andrew now focuses on Commercial Real Estate Lending at Jovia. He has successfully closed over $1 billion in loans for diverse property types, from owner-occupied buildings to complex construction projects.
Andrew’s approach centers on understanding each borrower’s unique needs and crafting tailored loan solutions. His expertise, combined with Jovia’s flexible products and competitive rates, has helped grow our Business Lending department and establish Jovia as a leading lender in the local market.
For expert guidance and innovative lending solutions, connect with Andrew Saluk and explore how Jovia can support your financial goals.
Jonathan Villalobos
Jonathan Villalobos
Jonathan Villalobos joined Jovia Financial Credit Union in 2023. He began his career as a Member Service Representative, supporting consumer banking members, and expanded his role in 2025 as a Business Lending Sales Assistant. This experience has given Jonathan a well rounded perspective that allows him to effectively assist both consumer and business members.
Jonathan supports business members with a variety of lending solutions, including business credit cards, business overdraft lines of credit, small business loans, commercial real estate loans, and business deposit account openings. He is committed to continued professional growth and building lasting relationships with the members he serves.
Jonathan is available to assist business members on Wednesdays and Thursdays. Connect with Jonathan and discover how Jovia can support your business lending needs.
Business account offerings, rates, and product features are subject to change without notice. All applications are subject to full underwriting, and not all applicants may be approved.