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Business

The dream of business ownership is alive and well.
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Kinecta takes pride in helping our members do what they do best. From banking to lending to insurance1, we help entrepreneurs start or streamline their business so they can spend time selling or creating – not balancing account

Business Banking

Balancing your Accounts Payable and Account Receivable just got easier with Kinecta. Our checking and savings accounts are easy to reconcile and save you valuable time.

Business Banking

Business Credit Card

Kinecta’s MyPro Mastercard® gives you cash-back on typical business expenditures. From office supplies to travel expenses, we’ve got you covered.

Business Credit Card

Loans & Commercial Real Estate

Kinecta is an SBA-approved lender, so we can help you with SBA loans and lines of credit…whichever is best for you.

We also offer commercial real estate loans from $1 million - $10 million

Loans & Commercial Real Estate

Related Services & Programs

Merchant Services2

  • Kinecta partners with First Data Corporation to offer Clover® tap/dip/swipe merchant services solutions
  • Clover offers safe and secure terminals and hand-held units
  • Make it easier to accept payments from anyone, anywhere…including online
Merchant Services

Business Insurance

  • Home-based businesses need additional protection to supplement standard homeowner policies
  • Brick-and-mortar businesses need property & casualty coverage for damage or onsite accidents
  • If you have employees, you’ll need workers’ compensation in case of injury on the job
Business Insurance

Paycheck Protection Program

  • Economic Aid Act was signed into law on December 27, 2020
  • $284 billion was allocated to the SBA’s Payroll Protection Program
  • Funding will be available through Kinecta in late January 2021
Paycheck Protection Program

Let's Connect

Our knowledgeable Member Contact Center team will answer your questions – big or small. If you need a specialist, they’ll put you in touch with one right away. Our goal is your goal: get you answers fast!

800.854.9846  Monday to Friday: 7am - 6pm Pacific, Saturday: 9am - 3pm Pacific
Or, stop by a branch and speak to us in person. (Except Federal Holidays.)

Book Appt

Legal Entity Program. The Bank Secrecy Act helps combat terrorism and national security threats. Legal entities must provide identifying information for each individual with beneficial ownership before a business account can be opened.

Membership requirements apply. Refer to the Agreements & Disclosure booklet for terms and conditions applicable to specific accounts.

All applications are subject to credit approval. Kinecta Federal Credit Union is an equal opportunity lender.

1Insurance products are offered through Kinecta Financial & Insurance Services, LLC., subsidiary of Kinecta Federal Credit Union. California Insurance License #0E24631. Insurance products: 1) are not NCUSIF insured; 2) are not obligations of or guaranteed by the Credit Union or any affiliated entities; 3) involve investment risk, including possible loss of value. Insurance products not available in all states.

2First Data and Clover are trademarks of First Data Corporation. All use of First Data services and hardware and related fees are subject to First Data Corporation’s customer qualifications and user agreements.

Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated.