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Fraud Prevention Reminder:

While IBMSECU actively monitors your accounts for potential fraud, please remember that we will NEVER initiate a call or email asking for your card PIN, Online Banking username and password, or full card number. If you have any doubt about the validity of a phone call or email you receive from us, please call our direct number at 800.873.5100 to speak with us immediately.

Business loans

Business Loans

No Document Prep Fee up to a $300 Value^ from 12/1/2019–1/31/2020

^Document preparation fee waiver valid for commercial loan applications received December 1–January 31, 2020, and funded by April 29, 2020. Contact a commercial lending advisor for more information on the rates, terms, fees and conditions that may apply. Credit is subject to approval and credit union membership required for business account eligibility. $300 document prep fee does not apply to small business loans. Deposit accounts federally insured by NCUA. IBMSECU memberships and accounts are subject to qualification. Please refer to ibmsecu.org or contact a Member Service Advisor for terms, conditions and fees.

IBMSECU understands the needs of your business and we are dedicated to your success.

Whether you need a commercial real estate loan, vehicle loan, or business line of credit, our Commercial Lending experts know your local challenges and opportunities and can help you get the right loan for your needs so that you can succeed!

Our Commercial Lending Products*

  • Commercial Real Estate Loans to purchase, refinance, or improve your property:
  • Up to 85% loan-to-value
  • Terms of 5 and 10 years and amortization up to 25 years
  • Variable or fixed rates
  • Up to 75% financing for investment property
  • No prepayment penalty
  • Business Lines of Credit to borrow the money you need, when you need it:
  • Interest-only payments
  • Simple and fast loan application process
  • Unsecured credit limits up to $100,000 – limits up to $1,000,000 available for secured lines of credit
  • Easy access to funds
  • Letters of Credit
  • Term Loans for equipment, expansion, and working capital
  • Business Vehicle Loans
  • Business Visa® Credit Cards
   

We make it easy to apply!


Please complete the form below and a representative will respond within one business day.

 

For more information, contact a Commercial Lending Specialist at 800.873.5100, ext. 8799businessloans@ibmsecu.org, or visit a branch near you.

 



*Contact our Member Business Lending Adviser at 800.873.5100, ext. 8799 or businessloans@ibmsecu.org for more information on the rates, terms, fees and conditions that may apply. All commercial loans are subject to credit approval. IBMSECU membership and a business deposit account relationship are required for a business loan. IBMSECU Membership required. The rate you receive may be based on your credit history and other factors. The loan rate may be adjusted on a monthly basis, depending on changes in the Prime Rate. Other restrictions may apply. For details on the Business Checking that’s Federally insured by NCUA, please refer to a Business Account Disclosure. IBMSECU is an Equal Housing Lender.

 

†Services provided by non-affiliated, third-party vendors.

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