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Small Business Lending
Lending Options To Fuel Your Small Business
We know that having the right support is essential for any business to succeed. As your financial partner, we're here to help you grow your business with affordable and flexible lending options.
Whether you’re planning to expand your footprint or have been blind-sided by an unexpected cost, we offer loans for all through an easy loan approval process.
Choose The Business Loan That's Right For You
business Term Loan
Quick application with repayment options that work for your budget
business Credit Cards
Earn reward points on every dollar you spend.
Business line of credit
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Keep Cash in Your Wallet
There are times in life when it helps to have more cash in your wallet. We offer Skip-a-Pay1 for when those times arise. If you have loans in good standing with us, you could qualify to skip your next loan payment.
Business Credit Cards and Business Lines of Credit are not eligible for Skip-a-Pay. However, you may submit a request for a loan payment extension on a Business Credit Card or a Business Line of Credit.2
Business Term Loan
A Business Term Loan is designed for specific, one-time capital needs and offers a predictable repayment schedule. This type of financing can help businesses invest in equipment, expand operations, or fund larger projects that support long-term growth.
With structured payments and defined terms, business owners can plan ahead while making meaningful investments in their business.
Maximum Loan Amounts
- Up to $50,000 unsecured
- Up to $250,000 secured
Best For:
- Equipment purchases
- Business expansion
- Larger one-time investments
Business Line of Credit
A Business Line of Credit helps manage the natural ebbs and flows of your business’s cash cycle, providing flexible access to funds when you need them. Whether you're covering short-term expenses, managing seasonal fluctuations, or responding to new opportunities, a line of credit can help keep your business moving forward.
Rather than receiving a single lump sum, you can draw from your available credit as needed and repay it over time, giving you greater flexibility to support day-to-day operations.
Maximum Loan Amounts
- Up to $50,000 unsecured
- Up to $250,000 secured
Best for
- Managing cash flow
- Covering short-term operating expenses
- Seasonal or working capital needs
Instant Answers
Yes! We specialize in helping new businesses hit the ground running. Our Small Business Credit Cards are the perfect first step. They provide you with an immediate revolving line of credit to cover startup costs like marketing, inventory, or equipment.
Yes. For most business loans, we review personal credit of the owner with significant ownership in the business.
Some loans require collateral, such as equipment or business assets, while others may be unsecured. Collateral requirements vary by loan type and overall credit profile.
Come prepared to discuss your business operations, revenue sources, growth plans, and how the loan will be used. You will also need to know your Online Banking information in order for us to complete your cash flow analysis.
After the meeting, we’ll outline next steps, request any additional documentation if needed, and begin the application or underwriting process if you choose to move forward.
Loans subject to credit approval. Rates, terms, and conditions may vary based on creditworthiness, loan structure, and collateral. Membership eligibility required. Business loans may require collateral and/or a personal guarantee. Additional fees may apply. Rates and terms subject to change without notice. Loans are intended for business purposes only.
1A Skip-a-Payment fee will be processed per the Skip-a-Payment agreement, for each skipped payment request. You may not request two back-to-back Skip-a-Payments. If you have more than one qualifying loan, you may request to Skip-a-Payment on each loan. The processing fee(s) will be returned to anyone not eligible to participate in this offer. In order to skip your payment, all loans and accounts must be current and in good standing at the time we receive your request, and your loan must be opened for more than 6 months. The deferral of loan payments pursuant to this agreement will automatically extend the loan maturity date by a corresponding period of time. Deferral of payments will reduce the portion of future payments applied to principal resulting in a larger final payment, or negative amortization. Interest and any voluntary insurance premiums, if applicable will continue to accrue as usual during the deferral period. The number of Skip-a-Payments in a rolling 12-month period is limited to a maximum established by the credit union and may be subject to change. Certain restrictions apply and not all loans are eligible for this program. In some instances, it may be required that the member authorize having a credit bureau pulled for review. Subject to credit qualifications and performance. Program subject to change at any time.
2There is a one-time Payment Extension Fee for each loan extension per the Credit Unions Fee Schedule. Please refer to the applicable Fee Schedule available online at cuwest.org/resources/rates-and-fees. Payment Extension Fee will be returned to anyone not eligible to participate in this program. The deferral of loan payments pursuant to this agreement will automatically extend the loan maturity date by a corresponding period of time. Deferral of payments will reduce the portion of future payments applied to principal resulting in a larger final payment, or negative amortization. Interest and any voluntary insurance premiums, if applicable will continue to accrue as usual during the deferral period. Certain restrictions apply and not all loans are eligible for this program. In some instances, it may be required that the member authorize having a credit bureau pulled for review. Subject to credit qualifications and performance. Program subject to change at any time.
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