Line of Credit for Businesses

Keep your finances running smoothly.

From low cashflow to unexpected costs, a line of credit can keep your business afloat or running smoothly. A revolving line of credit can be used when there are unforeseen expenses or to transfer money to an over-drawn checking account. While your line of credit is in the draw period, you'll be able to withdraw funds and make payments. Since it's a revolving line of credit, you'll be able to withdraw funds again and again as you repay them. A local and dedicated Commercial Banking Officer will work with you to determine the right terms on a line of credit for your needs.

In addition, CMCU partners with several agencies to obtain GAP financing and low-cost solutions for your business' needs. Participation with these agencies help provide cost-effective solutions to your business. Some of the agencies CMCU participates with include:

  • Small Business Administration (SBA) - Click here to learn about our SBA Preferred Lender status
  • The Initiative Foundation
  • Local Economic Development Associations
  • US Department of Agriculture (USDA)
Restaurant owner happy to open her doors.

Competitive Rates

As the largest commercial-lending credit union in Minnesota, we are able to provide our business members with low loan rates.

Flexible Terms

CMCU has a variety of terms available for a business line of credit so that the credit amount and repayment terms fit your needs.

Use Over and Over

As a revolving line of credit, you can use the borrowed funds over and over. Pay down your account, then use the funds on another project.

Your Options Are Endless

Many businesses use fixed-term loans for the following purposes.

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Office supplies or equipment

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Covering seasonal cashflow gaps

Marketing campaign icon

Marketing campaign

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Purchase inventory

Equpment repairs icon

Equipment repairs

Emergency repairs or costs icon

Fund emergency costs

Get Started!

Contact Us

Fill out our online form with some information about your business and the products or services of interest. Your local Commercial Banking Officer will be in touch within 1-2 business days.

contact us

Locate a Branch

You can open a business account or loan at any CMCU location. Each location has a designated Commercial Banking Officer, but we recommend you call ahead to make an appointment.


Call Us

We have a dedicated phone line for business members which will help you reach someone who can help faster and save you precious time.

(833) 267-7321

Business and Commercial Loan Options

Check out some of the other business loan options available with CMCU:


SBA loans icon

Real Estate



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Fixed term loans icon


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Additional Products and Services for Businesses

Check out all of your other options you can utilize with CMCU's suite of business products and services! Our business team will work with you individually to ensure you're on track to reaching your business goals.

Business Accounts

Store, save and spend your hard-earned cash with checking accounts, Money Markets. and more.

Digital Banking

Efficiently manage your business finances anywhere and on any device.

Industry Information

Learn more about the financial solutions specific to your business's industry.


Not a Member? Join us today!

  •  Wide variety of products
  • 21 convenient branch locations.
  •  Online and mobile banking
  •  24,000 ATM locations nationwide
  • Cash management services suite
  •  Low interest rates on loans
  •  High interest rates on savings
  •  Free checking

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