Man on laptop

Business Loan Services

Providing Business Lending Services in Partnership with Credit Unions

Bayer HFCU has partnered with Cooperative Business Services and other credit unions to provide business loans to our members. You now have access to business loan opportunities such as: commercial real estate, term loans, lines of credit, SBA 7(a) and SBA 504.

Commercial Real Estate

  • Purchase or refinance of commercial, industrial and/or investment property
  • Terms up to 10 years, amortizations up to 25 years
  • Fixed and variable rate options available
  • Loans up to $10,000,000 per transaction
  • Business Expansion Loans

Term Loans

  • Purchase or refinance machinery, equipment or other capital assets, permanent working capital, business acquisition, debt consolidation
  • Generally 12 to 180 month terms
  • Fixed and variable rate options available
  • Loans up to $2,000,000 per transaction

Lines of Credit

  • Available for any general business purpose
  • Line of credit facilities are generally reviewed on an annual basis
  • Rates are typically set at a floating rate over the Wall Street Journal Prime Lending Index
  • Loans up to $500,000

SBA 7(a) Loans

  • Business expansion, business acquisition, commercial real estate purchase, machinery & equipment purchase, working capital, and debt refinance
  • Terms up to 25 years
  • Variable rate spread over the Wall Street Journal Prime Lending Index
  • Loans up to $5,000,000

SBA 504 Loans

  • Land and building purchase, construction or renovation, and machinery & equipment purchase
  • Terms up to 20 years
  • Loans up to $5,000,000
We provide Business Lending Services through our partnership with Cooperative Business Services and other credit unions.
Contact our Bayer Heritage FCU Business Lending Group for more information:
Game plan icon linking to Preferred Business Partner page

benefiting your employees

It’s free to become a Business Partner with us; gain exceptional benefits, personalized services and superb financial products! Preferred Business Partner Info
Storefront icon

new business services

Get ready for a new department that will offer business remote deposit, payroll, credit cards, loans and more. Commercial Services, Coming Soon!
Webinar icon linking to Balance Financial Fitness Page - Webinar Info and Sign up

free financial webinars

We've partnered with BALANCE to provide free access to financial counseling, education and resources. Grab a virtual webinar seat today!

NEED A Hand? we're here to help!


Mom and son in backyard

interested in joining?

We'd be happy to have you! View eligibility requirements, check out the variety of member benefits or apply for membership!
Bowl of change

a new way to save

Have the ‘digital change’ from your debit card transactions rounded up to the next dollar and deposited into a savings account! Cool concept, eh? Coin Catcher Details
Woman paying by touching phone to reader

smartphone payments with a tap

Quicker payment options are here: Google Pay, Apple Pay or Samsung Pay. Digital Wallet Details