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Commercial Lending

Helping Your Business Grow

Your business deserves the right partner by your side. At Bellwether, we are committed to helping your business—profit or nonprofit—thrive in the community. We have the capital you need to help you grow your organization, from purchasing equipment and vehicles to investing in property.

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Commercial Lending Products

  • Real estate lending
    • Investor-owned commercial real estate
    • Development and construction loans
    • Owner-occupied commercial property
  • Business vehicles and equipment
  • Revolving line of credit
  • Small business loans

Commercial Real Estate Loans

Our commercial real estate loans are designed to meet your needs with favorable rates to match your budget. Whether it’s building a new facility, renovating your existing space, or buying a residential investment, we will work with you to get it done.

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Commercial Vehicle and Equipment Loan

Now you can drive toward your dreams with an affordable vehicle and equipment loans from Bellwether. Our commercial loans offer great rates and flexible terms, so you can choose what works best for your business!

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Business Credit Cards

Our business credit cards have one of the lowest rates around and fewer fees than most competitors. Whether you are charging a client dinner or simply purchasing office supplies, we have the right card to help you grow your business.

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Business Lines of Credit

Need a revolving line of credit? Our line of credit is a perfect solution to cover short-term needs for established businesses.

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Courtesy Pay Fees & Limits

Bellwether provides overdraft protection for up to two accounts and will cover $500 maximum per account.

Courtesy Pay is subject to a fee of $30 per overdraft (with a $100 per day maximum charge). For each instance, we'll provide:

  • Protection from merchant returned check charges
  • Protection of your credit

Not to mention, we'll spare you some of the embarrassment that comes from having insufficient funds!

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Business Loan Checklist

To save time, here's a list of important items you will need:

 

  • The amount of the loan and the purpose of the loan
  • Business income tax returns and financial statements from the past two years
  • Personal financial statements for each individual owning 20% or more of the business and their personal income tax returns from the past two years
  • Financial statements, including balance sheet, income statement, and accounts receivables and payables aging summary reports
  • For commercial real estate, a copy of existing and proposed deed, and current property tax bill
  • If the property is being pledged as collateral for the loan or if you'd like to consider that option, you’ll need valuations documents and statements about the property
  • Partnership agreement, Corporate or LLC documents, if applicable
  • For construction loans, building plans, budget or schedule of values, copies of building permits, and site approvals
  • Copy of the purchase order or invoice of equipment with serial or ID numbers, if applicable
  • Copy of the purchase and sales agreement, if applicable

Regardless of your needs, rest assured Bellwether Community Credit Union is here to help you accomplish your business goals with our commercial lending programs.

Become a Bellwether Business Member Today!

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Third Party Site Disclaimer

Custom Test - By accessing the noted link you will be leaving NAME Credit Union’s website and entering a website hosted by another party. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of NAME Credit Union’s website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of NAME Credit Union.

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Third Party Site Disclaimer

Custom Test - By accessing the noted link you will be leaving NAME Credit Union’s website and entering a website hosted by another party. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of NAME Credit Union’s website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of NAME Credit Union. Proceed to https://docs.google.com.