Lending
Commercial Lending
At North Valley Credit Union (NVCU), we understand that businesses require financial support to grow, expand, and operate smoothly. Whether you’re looking to purchase commercial property, invest in new equipment, or secure working capital, we provide customized commercial lending solutions to meet the unique needs of your business. Our team is committed to helping local businesses thrive with competitive financing options, flexible repayment terms, and expert guidance every step of the way.
Our Consumer Lending Options
Business Equipment Financing
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Heavy Machinery & Construction Equipment
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Office Technology & IT Equipment
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Vehicles & Commercial Fleets
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Manufacturing Equipment
Commercial Mortgages
- Financing up to 75% for qualified borrowers
- Flexible terms ranging from 1 to 5 years
- Fixed-rate interest options for predictable payments
Business Operating Lines of Credit
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Flexible Access to Funds: Borrow as needed and only pay interest on what you use.
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Competitive Rates: Lower interest rates compared to traditional credit cards.
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No Need for Repeated Applications: Access funds without reapplying for a loan.
Commercial Loan Payment Protection
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Loan & Mortgage Payment Protection: Covers loan payments in case of death, disability, or critical illness.
NVCU Commercial Mortgages
Owning a commercial property can be a game-changer for your business, offering stability, asset appreciation, and financial leverage. At NVCU, we offer commercial mortgages tailored to business owners who are purchasing a property or leveraging existing real estate for additional funding.
Loan Range
- Mortgage financing up to 75% to qualified borrowers
Flexible Repayment
- Loan terms designed to fit your budget and lifestyle
- Short- and long-term repayment options available
- Choices like 1-year open terms, fixed 5-year mortgages, and structured business loan repayments
Flexible Interest Rates
- Fixed-rate loans for stable, predictable monthly payments
- Variable-rate loans for potential savings when interest rates drop
Need help finding the right NVCU product for you?
Call us at (306)745-6615 or stop by the branch! Or email Gerri McEwen or Cassidy Miskiman
Get Started
What To Bring To Your Apointment
When applying for a commercial business loan at North Valley Credit Union (NVCU), being well-prepared ensures a smoother application process and faster approvals. To help us assess your business financing needs effectively, please bring the following documents and information to your appointment.
For All Borrowers / Guarantors:
- One Piece of Current, Government-Issued Photo Identification
- Business Financial Statements – Most recent financial statements (minimum last 3 years), including:
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Income statement
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Balance sheet
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Cash flow statement
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- Business Registration & Ownership Documents – Proof of business registration, articles of incorporation, partnership agreements, or ownership structure details.
- Business Plan – A comprehensive plan outlining your company’s operations, growth strategy, and how the loan will be used.
- Personal Financial Statements – If applying as a sole proprietor or providing a personal guarantee, personal financial details may be required, including income statements and credit history.
Additional Documents You Might Need
In some cases, we may ask for additional documentation to complete your application:
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- Proof of Address: A recent utility bill or bank statement showing your name and current address.
Ready To Secure Your Next Opportunity?
Whether you need a personal loan, mortgage, business financing, or agricultural support, North Valley Credit Union is here to assist you every step of the way. Contact us today to speak with one of our lending specialists!
