Start-Up Business Loans

Let's start an adventure together.

When starting a business, getting financing can be one of the most crucial steps. You'll want to work with a financial institution that understands your business plan and all of your financing needs. As one of the largest commercial-lending credit unions in Minnesota, CMCU is able to provide many solutions to your business financing needs. Our Commercial Lending team is friendly, knowledgeable, and local. We develop relationships with business owners that last for many years.

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)
New business owner reviewing her business plans.

Competitive Rates

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

Low Fees

CMCU has very competitive terms for businesses which include low fees. We make sure you're comfortable with all of the terms of your loan.

SBA Loans

SBA has great programs available for new businesses and our preferred lender status helps you get that financing faster and easier.

Your Possibilities Are Endless

CMCU has financed many business ventures, from Accounting firms to Zoos. Our team is ready to learn more about your business adventure and provide solutions for your finance needs.

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Law and Accounting (CPA) Firm

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Multi-Family Housing

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Utility or Service Companies

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Small Business

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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.

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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:


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Real Estate



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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
  •  Low cost or free checking

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