Account Eligibility
Before you open a business account, your business needs to qualify for membership. That can done in one of the following ways:
- Join through the HVCU Charitable Foundation.
- Qualify as an immediate family member of an HVCU member, reside with a HVCU member, or work as an HVCU employee.
- Become an affiliated member of the Community Impact Fund or American Consumer Council.
Business Lending
Businesses that have been in operation for 2 years+ are eligible for business lending products at HVCU.
If you have been in operation for less than two years, you may qualify for a loan through the U.S. Small Business Administration (SBA). HVCU is a certified lender for the SBA. If you are ineligible for a credit card, we can discuss funding options through the SBA 7(a) Loan Guarantee Program or through an SBA Express Loan.




