As a credit union rooted in Southwest Mississippi, Ferguson FCU is proud to support local entrepreneurs through accessible and practical business lending solutions. Whether you're launching a startup or scaling up, we offer small business financing in Mississippi that’s built around your goals,  not someone else’s bottom line.

From Mississippi commercial lending for real estate to flexible credit lines and farm equipment loans, we’re here to help businesses grow, hire, and thrive.

 

Local Professionals Helping Local Businesses

Looking to expand operations? Upgrade your equipment? Secure your next property? We’re ready to help with tailored business loan options designed around your next step:

  • Business Term Loans for working capital, inventory, or facility improvements

  • Business Lines of Credit to give you flexible access to funds as needs arise

  • Commercial Real Estate Loans for purchasing, refinancing, or building

  • Farm Equipment Loans for agricultural operations across Southwest Mississippi

At Ferguson FCU, you’re not just a number—you’re our neighbor. Let’s build something great together.

 

Commercial Real Estate Loans

  • Competitive rates for the purchase, refinance, or construction of commercial properties

  • Available for owner-occupied or investment properties

  • Repayment terms customized to fit your business's unique needs

  • Lending professionals with working knowledge of the local real estate market

  • Decision-making and processing are all done locally

  • Local decision-making from experts in Mississippi commercial lending

  • Friendly, Southwest Mississippi service

Business Term Loans

  • Competitive rates for a wide range of business expenses:

    • Working capital

    • Equipment

    • Machinery

    • Inventory

    • Facility improvements

    • And more

  • Repayment terms customized to fit your business's unique needs

  • Decision-making and processing are all done locally

  • Friendly, Southwest Mississippi service

Business Line Of Credit

  • Ongoing credit for a variety of business needs

  • Competitive Rates meeting your growing business needs

  • Funds for Working Capitol, Inventory, Seasonal Expenses, ongoing updates, and much much more

  • Providing financial freedom

  • Only pay interest on what you’ve used¹

  • Available funds when you need them

    Revolving credit – as principal is repaid, more becomes available for use

    Decision-making and processing are all done locally

¹Consult with a tax advisor

Farm Equipment Loans & Agricultural Lending

  • Specialized lending program for the purchase of new or used farm equipment

  • Competitive rate for all kinds of equipment needs:

    • Trailers

    • Tractors

    • Blades

    • Spreaders

    • Sprayers

    • And more

  • Repayment terms customized to fit your business's unique needs

  • Expert lenders with working knowledge of local ag needs

  • Decision-making and processing are all done locally

  • Friendly, Southwest Mississippi service

 

FAQs: Business Loans with Ferguson

How do I apply?

You can apply online or visit one of our branches. Our team is happy to walk you through every step—no jargon, no pressure.

What are the current rates?

Rates vary depending on the loan type and your business profile. Visit our business loan rates page or contact one of our lenders for a personalized quote.