SBA 7(a) Loans
SBA · Government backed financing
- Fixed / Variable Rates
- From 5.75% + Base
- Maximum Term
- Up to 25 Years
- Funding Limit
- 5,500,000.00
Personal & Business Banking
Get Paid Up To 2 Days Early
Get Paid Up To 2 Days Early
With
Direct Deposit.
Join the Seabridge Credit Union community.
USD/JPY
157.979
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USD/HKD
7.8183
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17.76262
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USD/SGD
1.28033
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USD/AED
3.67
Introducing Seabridge Credit Union everyday banking
Regulated Swiss financial institution providing premium banking services globally. Checking, savings, cards and lending in one place, with a person on the other end when you need one.
Core Business Solutions
Everything you need to handle your business finances, from day-to-day operations to global expansion.
Business Checking
Fee-free checking accounts designed for modern businesses with high-volume transactions.
Learn moreMerchant Services
Accept payments globally with integrated point-of-sale systems and online checkout tools.
Learn moreCorporate Cards
Issue virtual and physical cards to your team with customizable spend limits and auto-receipt capture.
Learn more
Digital
Future Planning
Online Banking
Create seamless payment experiences
Enjoy the freedom to manage your finances and make payments from anywhere, at any time, and on any device. Our Online Banking service provides seamless access to your accounts and cards, empowering you to take control of your financial life, whenever and wherever you need to.
Why we call it a Simple Checking Account.
It's designed to make managing your business finances easy on you.
01 · Taxes
Simplify Your Taxes
Guidance and tools for tax season.
02 · Liquidity
Manage Cash Flow
Track money in and out, precisely.
03 · Corporate
Corporate Banking
Built for a company balance sheet.
04 · Protection
Secured Payments
Current encryption on every transfer.
05 · Digital
Online Banking
Your accounts, anywhere, on any device.
06 · Support
24/7 Customer Service
A team available whenever you need one.
Banking in your pocket
An award-winning digital experience that gives you complete control over your financial life, beautifully designed and lightning fast.
Cards
Seabridge Credit Union
•••• •••• ••••
4281
JONATHAN DOE
12/26
Recent Transactions
Coffee House
Today, 8:45 AM
-4.50
Whole Foods
Yesterday
-84.20
Team Spending
Sarah Jenkins
Marketing Lead
1,240.00
Marcus Webb
Engineering
450.25
Management Suite
Advanced Team Management
Take control of company spending without slowing down your team. Seabridge Credit Union gives you the tools to manage payroll, expenses, and cards in one place.
Instant Virtual Cards
Issue cards instantly for subscriptions or one-time
team
purchases.
Automated Expense Reports
AI-powered receipt matching and automatic
categorization.
Business Financing
Fuel your growth with competitive rates and flexible terms. Apply in minutes with zero impact on your credit score.
| Product Solution | Fixed/Variable Rates | Maximum Term | Funding Limit | Status |
|---|---|---|---|---|
|
SBA 7(a) Loans SBA · Government backed financing |
From 5.75% + Base | Up to 25 Years | 5,500,000.00 | Apply for SBA 7(a) Loans |
|
Business Line of Credit LOC · Flexible revolving capital |
Prime + 1.25% | 12 - 36 Months | 750,000.00 | Apply for Business Line of Credit |
|
Equipment Financing EQP · Asset acquisition capital |
Fixed 4.99% | 24 - 72 Months | 1,250,000.00 | Apply for Equipment Financing |
|
Commercial Real Estate CRE · Owner-occupied properties |
From 6.25% | Up to 25 Years | 15,000,000.00 | Apply for Commercial Real Estate |
|
Invoice Factoring FCT · Immediate accounts receivable |
1.5% - 3.0% | 30 - 90 Days | 2,500,000.00 | Apply for Invoice Factoring |
|
Merchant Cash Advance MCA · Future sales based funding |
Factor 1.12+ | 6 - 18 Months | 500,000.00 | Apply for Merchant Cash Advance |
Business Line of Credit
LOC · Flexible revolving capital
- Fixed / Variable Rates
- Prime + 1.25%
- Maximum Term
- 12 - 36 Months
- Funding Limit
- 750,000.00
Equipment Financing
EQP · Asset acquisition capital
- Fixed / Variable Rates
- Fixed 4.99%
- Maximum Term
- 24 - 72 Months
- Funding Limit
- 1,250,000.00
Commercial Real Estate
CRE · Owner-occupied properties
- Fixed / Variable Rates
- From 6.25%
- Maximum Term
- Up to 25 Years
- Funding Limit
- 15,000,000.00
Invoice Factoring
FCT · Immediate accounts receivable
- Fixed / Variable Rates
- 1.5% - 3.0%
- Maximum Term
- 30 - 90 Days
- Funding Limit
- 2,500,000.00
Merchant Cash Advance
MCA · Future sales based funding
- Fixed / Variable Rates
- Factor 1.12+
- Maximum Term
- 6 - 18 Months
- Funding Limit
- 500,000.00
Member
benefits
Exclusive benefits with
Exclusive benefits with
our banking solutions.
Purpose-built support, faster service paths, and practical tools for businesses that want more than a generic bank portal.
Effortless Money Management
Move faster with clearer account visibility, smoother approvals, and fewer operational handoffs.
Learn more about Effortless Money Management
Card Programs with Control
Roll out physical and virtual cards while keeping policy, limits, and reporting aligned.
Learn more about Card Programs with Control
Commercial Lending
Access tailored credit facilities, asset-based lending, and commercial mortgages designed to fuel your next scale-up phase.
Learn more about Commercial Lending
- Service response time
- < 10 mins
- Treasury review cadence
- Weekly
- Card issuance turnaround
- Instant
Spend controls
Card limit
2,500.00
Approval over limit
Set a limit per card, and decide what needs a second pair of eyes.
Safe, flexible and
always available.
Spend how you like, wherever you are. Every card is covered by the same security we put behind the accounts underneath it.
- Physical and virtual cards
- Tap and spend worldwide
- Fraud monitoring, 24/7
Wealth
Strategy
Private Wealth & Personal Banking
Elevate your personal financial strategy with dedicated advisors and premium banking perks — the same service design we bring to business clients, pointed at your own balance sheet.
- A named advisorOne person who knows your position, not a queue.
- Send money in secondsTransfers to people you trust, without the ceremony.
Everyday impact
Ready to save your pocket and the planet.
Paperless statements, a card made to last, and an app that does the errands you used to drive for. Small defaults, compounded across every member.
- Paperless by default — statements, notices and receipts stay in the app.
- No monthly fee on everyday accounts, and no fee to move your own money.
- Branch trips replaced by deposits, transfers and card controls you do from anywhere.
Borrowing
Loans built around real life, not a credit model.
A home, a car, or a year that went sideways. Same idea each time: a clear rate, a term you choose, and a person who answers.
Home
Mortgages that survive the paperwork
Fixed and variable terms, a decision you can plan around, and one advisor from application to keys.
Explore mortgages
Auto
Auto loans without the forecourt markup
Get approved before you shop, then negotiate as a cash buyer. New, used, or refinancing what you already drive.
Explore auto loans
Personal
Personal loans for the year you did not plan
Consolidate a balance, cover a repair, or fund the thing that will not wait. Fixed payments, no early-repayment penalty.
Explore personal loansWhat our members are working toward.
Four of the reasons people open an account with us.
A first home
Deposits, decisions in principle, and a rate you can hold.
The next car
Pre-approval before you walk in, so the price is the conversation.
A business that grows
Working capital, cards and payroll that keep pace with hiring.
Somewhere further
Multi-currency accounts and cards that behave the same abroad.
Getting
started
Here's what your first
Here's what your first
30 days look like.
No switching weekend, no paperwork pile. Three checkpoints, and you are running on us.
-
Today
Get set up
- Open an account online in about ten minutes
- Move your first deposit across
- Add your card to Apple Pay or Google Pay
- Switch your statements to paperless
-
Day 7
Get comfortable
- Set up direct deposit and get paid up to two days early
- Schedule the bills you pay every month
- Turn on card controls and spending alerts
- Open a savings goal alongside your checking
-
Day 30
Get ahead
- Review a full month of spending, already categorised
- Talk to an advisor about a rate, a loan or a mortgage
- Move a balance or refinance what you already owe
- Bring your business accounts across too
Resources
View archive
Articles & Resources
Apply for a Seabridge Credit Union account.
Become our client.
Opening an account takes about ten minutes. Bring an ID and a few details — we will handle the rest.