^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.

• 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

• Business Checking
• Business eDeposits
• Payroll Services^†
• Merchant Solutions^†
• Commercial Insurance^†
• Dental Benefits Max^†
• And more

Click here to view more information on our Business Services