4Front Credit Union: 
Business Loan Rate Sheet 
Effective June 17, 2022 

Prime Rate: 4.75% 

Business Secured Products:  

Rate Adjustments: 

  Business UCC Products (non-titled collateral): +1.00% 
  Collateral Age Adjustments: 
o  +0.25% (2015-2017) 
o  +1.25% (2014 or older) 

Score 

710+ 
660-709 
640-659 
600-639 
1-599 

Max LTV 
120% 
120% 
110% 
110% 
110% 

Up to 66 
4.94% 
6.04% 
8.04% 
13.84% 
17.34% 

67-78 

79-84 

5.14% 
7.04% 
9.04% 
14.84% 
18.34% 

6.04% 
8.04% 
10.04% 
N/A 
N/A 

A+ 
A  
B 
C 
D 

Business Unsecured Products: 

  Signature max term of 60 months 
  MasterCard Margin: 6.50% 

Score 

710+ 
660-709 
640-659 
600-639 
1-599 

Signature 
10.04% 
11.04% 
14.24% 
N/A 
N/A 

LOC 
11.46% 
11.46% 
14.46% 
N/A 
N/A 

MasterCard 
11.25% 
11.25% 
11.25% 
11.25% 
11.25% 

A+ 
A  
B 
C 
D 

Business Loan Fees: 

  Origination Fee: $250  

o  Applicable when aggregate loan balance(s) are $50,000+ (requires CLC approval) 
o  NOTE: Added complexity or loans secured by real estate will have additional fees starting at .75%. 

  Processing Fee: $100 

o  Applicable for all Business LOC’s 
o  NOTE: Complex lines may incur additional fees based on commercial staff assistance  

  For Commercial Loan Approval Limits see Business Lending Policy (page 12)