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BreadRoute Review
Truliant
3.5Our Truliant Review
Truliant Federal Credit Union is a member-focused credit union headquartered in Winston-Salem, NC, serving businesses across North Carolina, South Carolina, and Virginia. Its business lending lineup runs from $50,000 to $5 million and covers equipment finance, construction loans, commercial real estate, SBA 7(a), and USDA Business and Industry financing. A 700 minimum credit score applies, but no minimum time in business is required — which may open a path for younger companies that meet the credit threshold. As a credit union, Truliant operates on a member-first model that tends to favor competitive pricing and a more hands-on lending relationship than a large commercial bank. It appears well suited for businesses in its footprint looking for government-backed or real estate-secured financing through a relationship-oriented lender.
Who Is Truliant Best For?
Based on eligibility requirements and available products.
- New businesses with limited operating history
- Businesses that need equipment or machinery financing
- Established businesses that qualify for SBA programs
- Businesses with commercial real estate financing needs
Financing Options
Eligibility Requirements
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Quick Overview
3.5Truliant Pros & Cons
Pros
- Startup-friendly no seasoning requirement
- Lends nationwide
- High loan amounts available
- Wide range of financing products
Cons
- Requires strong credit (700+ minimum)
Frequently Asked Questions
Truliant offers financing in the range of $50,000 to $5 Million.
Truliant typically requires a minimum credit score of 700. Businesses with scores above this threshold are more likely to qualify for favorable terms.
Truliant offers the following financing products: Equipment Finance, USDA Business and Industry, Construction Finance, SBA 7(a), Commercial Real Estate Financing.
Truliant requires a minimum of No Minimum Time in Business in business. Newer businesses may want to explore alternative lenders with lower seasoning requirements.
Truliant provides financing to businesses across the United States.
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