Business Lending

Your St. Cloud Business Loan is in good hands.

• Experienced commercial lending team

• Business Loans tailored to meet member needs

• Interest paid on Business Loans is reinvested in the local communities we serve

• FAST credit approval turnaround

• Loan decisions are made locally

Working Capital Loans for Businesses   

Scaling your business in St. Cloud requires you to have the flexibility to adjust to ebbs and flows in your cashflow cycle. All businesses are unique, and we can structure our Business Loans to meet those individual needs.

• Revolving and term loans are available 

• Flexibility on collateral options 

• A/R Based Line of Credit Options – quick business cashflow cycle restart

• Option for interest only due monthly

Equipment & Machinery Loans for Local Businesses  

Upgrade or expand your business easily and let us do the heavy lifting.

• Competitive fixed rates  

• Flexible and extended terms to match the useful life of your equipment 

• Financing available up to 100% loan to value 

• Low closing costs and quick decisions 

• No pre-payment penalty (Member Business Cash Paydown or Sale to Third-Party)

• App Only Single Item Financing available

Call the credit union for current Business Loan rates!

Real Estate Loans 

Commercial and Investment Real Estate loans  

We provide financing for all types of real estate to grow an existing business or start a new one.

• Owner-occupied and non-owner occupied commercial real estate loans available  

• Loan terms up to 5 years 

• Loan amortizations up to 240 months 

• Low credit union fees

• No pre-payment penalty (Member Business Cash Paydown or Sale to Third Party)