Member owned lenders that lend locally and often say yes where a big bank will not. 5 credit unions across the US and Canada, typically lending $25k to $5M. Last checked Nov 1, 2026.
Credit unions are member owned cooperatives, so you join before you borrow. They lend locally, price close to banks and often make room for a business a large bank would turn down, especially when the owner already banks there. Business lending is a smaller share of their book, so the loan officer usually knows the file personally. They want the same core file as a bank: returns, cash flow, credit and collateral.
Read the guide: Bank, credit union or online lender: which one fits your business6 min
Membership, a local connection, two years of returns, cash flow that covers the payment and collateral, with more room for judgment than a big bank.
Two to five weeks. Smaller credit unions move fast on small loans and slower on larger ones that need board or partner approval.
Entries start from public records. Standing rises as the lender claims its entry, adds its loan officers and verifies its details.
The register lists 5 credit unions and 0 loan officers who work at them. Any lender can claim its entry and correct its details.
