Borrow
Business Loans

Fuel your business growth with flexible loans

Looking to grow, equip, or invest in property for your business? Our flexible loan options—from vehicles to commercial real estate—are designed with competitive rates and terms to fuel your business success.

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Business vehicle loans

Drive your business forward with affordable vehicle financing.

Equip your business with the right transportation. Our Business vehicle loans provide affordable financing for specialty, and other essential vehicles, helping you keep your business on the road to success.

How this loan helps you

Competitive interest rates for affordable payments
Flexible loan terms tailored to your budget
Financing available for new or used vehicles
Ideal for purchasing specialty commercial vehicles

What you’ll need to qualify

Must be a registered business in good standing
Vehicle purchase must be for business purposes
Financial statements and credit review required
Purchase quotes or vehicle specifications may be requested

Contact our Business Lending Team

Equipment loans

Finance business equipment with affordable, flexible loan terms.

Whether it's machinery or tech, our equipment loans give you the financing you need to keep your business growing and competitive.

How this loan helps you

Competitive interest rates for low-cost equipment financing
Flexible loan terms to match your budget
Satisfactory credit history required
Ideal for machinery, technology, and essential business equipment
Quick approval process for timely purchases

What you’ll need to qualify

Established business with steady income
Good credit history
Financial statements and business plan required
Purpose of loan must be for business investments or growth

Contact our Business Lending Team

Lines of credit

Business lines of credit

Borrow what you need, when you need it.

Need funds for short-term expenses or working capital? Our Business line of credit gives you flexible, on-demand access to financing to cover cash flow gaps or unexpected expenses.

How this loan helps you

Revolving access to funds as needed
Pay interest only on what you borrow
Flexible repayment terms that fit your budget
Ideal for managing cash flow or covering unplanned costs

What you’ll need to qualify

Must be a registered business
Satisfactory credit history required
Steady revenue and cash flow
Business plan and financial statements may be requested

Contact our Business Lending Team

Commercial property loan

Commercial property loans

Invest in the right space for your business.

Whether you’re purchasing, refinancing, or expanding, our Commercial real estate loans provide the funds to help you secure the perfect property for your business.

How this loan helps you

Competitive interest rates to keep payments manageable
High loan-to-value (LTV) options
Flexible amortization schedules
Ideal for office spaces, retail stores, warehouses, and other commercial properties

What you’ll need to qualify

Business must be purchasing or refinancing a commercial property
Financial statements and credit review required
Property must be owner-occupied or income-generating
Appraisal required for loan approval

Contact our Business Lending Team

Small Business Loan - Unsecured

Invest in the right space for your business.

Fuel your business growth with flexible funding. Our Unsecured Small Business Loan offers $5,000–$50,000 with a fixed 5-year term and competitive rates. Designed for established businesses with strong credit, it’s a simple way to secure financing without collateral.

How this loan helps you

Access funding from $5,000 to $50,000 with no collateral required
Enjoy a fixed interest rate and predictable monthly payments over a 5-year term
Use funds to support growth, manage cash flow, or invest in operations
Streamlined application process designed for small business needs

What you’ll need to qualify

Your business must be established for at least 2 years
A minimum credit score of 760 is required
No collateral needed—just a strong financial foundation
Additional documentation may be requested to align the loan with your goals

Apply online

More ways to fund your business

Need more funding options? We’ve got loans for every business challenge.

Inventory loans

Stock up and prepare for the busy seasons with flexible inventory financing.

Refinancing business debt

Lower your payments by refinancing your existing business loans at competitive rates.

Business expansion loans

Ready to grow? Our expansion loans help you scale your business with ease.

Working capital loans

Boost your cash flow and cover short-term needs with working capital financing.

Frequently asked questions

How do I redeem my VISA Credit Card Reward Points?

Members should log into the OnPath Mobile App or the full Online Banking experience via our website (BeOnPath.org). If logging into the app, please look in the main navigation menu for more and then VISA CARD CONTROLS. If using the Online Banking Experience click on the VISA CARD CONTROLS tile that is across the top of the screen.

Once you reach the portal, you will see your reward points. You will need to click on the NUMBER of points (not the word rewards) to access the redemption portal.

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Once you click on the number of points, you will be redirected to the Rewards Site, or you should click on the word "click here". If you are not reaching the site, please make sure your device does not have a pop-up blocker enabled.

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You will then be able to redeem rewards such as merchandise, travel points or cash. Also keep in mind that to redeem points you must have accumulated a minimum of 2500 Points in order to redeem any points.

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What is OnPath CU's routing number?

The OnPath CU routing number is 265075087. This number is most often requested as part of direct deposit or auto draft set ups, and typically precedes your member number.