Man-Selling-Food-from-Cart

Business financing

When it comes to business banking, we're all business.

Grow your business with a customized loan from OnPoint Community Credit Union.

Small business lines of credit

Giving your business the resources it needs with financing you can use when you need it.

See lines of credit details

Small business auto loans

Keeping your business moving with affordable options for purchasing new, used or refinanced vehicles.

See auto loan details

Commercial real estate loans

Expand your business, purchase or refinance real estate with fixed- or variable-rate loans and lines of credit.

Commercial real estate details

Request a business loan

Business banking done right.

We take a personal approach to help you run your day-to-day business. OnPoint provides the resources and guidance to determine the right payment processing and deposit tools your business needs. By helping you manage your transactions more securely or expanding payment channels to accept digital and mobile payments, we’re helping ensure you never miss out on a sale.

Learn more and select the right payment software plan
Person-Working-on-a-Jewelry

Business payment processing solutions include:

  • Innovative technology
  • Mobile & contactless payments
  • Fast funding options
  • Fraud mitigation
  • Payment optimization
  • Data protection

Compare small business financing

  • Best for:

    Best for:

  • Flexible terms

    Flexible terms

  • Fixed-rate

    Fixed-rate

  • Variable-rate

    Variable-rate

  • Annual percentage rate

    Annual percentage rate

  • Estimated minimum monthly payment

    Estimated minimum monthly payment

Small business term loans

  • Best for:

    Expanding your business, purchasing new or used equipment or other long-term financing needs.

  • Flexible terms

    Up to 60 months

  • Fixed-rate

  • Variable-rate

  • Annual percentage rate

    11.00% - 16.00% fixed rate1 See additional details.

  • Estimated minimum monthly payment

    $470.57 based on a 5-year, $20,000 loan at 14.50% APR*

Small business lines of credit

  • Best for:

    Giving your business the resources it needs with financing you can use when you need it.

  • Flexible terms

  • Fixed-rate

  • Variable-rate

  • Annual percentage rate

    12.50% - 14.50% variable rate2 See additional details.

  • Estimated minimum monthly payment

    2% of outstanding balance or $25, whichever is greater

Small business auto loans

  • Best for:

    Keeping your business moving with affordable options for purchasing new, used or refinanced vehicles.

  • Flexible terms

    Up to 84 months

  • Fixed-rate

  • Variable-rate

  • Annual percentage rate

  • Estimated minimum monthly payment

Additional small business loan rate info

Small Business Lines of Credit and Term Loans
Small Business Lines of Credit and Term Loans

Type

Available terms

Annual percentage rate (APR)

Estimated minimum monthly payment

Rates Effective: 06-24-2024

Learn more about small business lines of credit and term loans

*APR=Annual percentage rate

All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published.

  1. Maximum loan amount is $100,000. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published.
  2. Small business line of credit minimum $10,000 limit, not to exceed $100,000. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published.

Type

Small business term loan

Available terms

Up to 60 Months

Annual percentage rate (APR)

11.00% - 16.00% fixed rate1

Estimated minimum monthly payment

$470.57 based on a 5-year, $20,000 loan at 14.50% APR*

Type

Small business line of credit

Available terms

N/A

Annual percentage rate (APR)

12.50% - 14.50% variable rate2

Estimated minimum monthly payment

2% of outstanding balance or $25, whichever is greater

Business Auto Loans
Business Auto Loans

Type

Available terms

Annual percentage rate (APR), fixed1

Estimated minimum monthly payment

Rates Effective: 06-24-2024

Learn more about business auto loans

All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published.

New and used auto loan rates available on passenger-type vehicles only. For new/used auto model years 2014 and newer, maximum LTV may vary depending on credit history and factors specific to your loan. LTV is calculated using Kelley Blue Book retail value, MSRP, or purchase price, whichever is lowest.

Vehicles meeting OnPoint’s green auto discount standards receive a 0.25% discount off stated APR. Discount does not apply to existing OnPoint auto loans or promotional rates.

*APR=Annual percentage rate

  1. Bundle rewards: Receive 0.25% off consumer fixed APR (annual percentage rate) loans. Additional products and services are required to qualify for bundle rewards. Please see an OnPoint representative for more information or click here.
  2. 72-month term for model years 2014-2017 requires minimum $12,000 loan amount. 84-month term requires minimum $15,000 loan amount. 96-month term requires minimum $25,000 loan amount.
  3. Examples of business specialty vehicles include delivery trucks, dump trucks, and motor coach buses. For auto model years 2012 and older, and business specialty vehicle loans, maximum LTV is 100% unless otherwise noted. LTV is calculated using Kelley Blue Book retail value, NADA high value, MSRP, or purchase price, whichever is lowest.

Alternative terms and additional conditions may apply.

Type

New auto
(2021 and newer)

Available terms

36-60 months

Annual percentage rate (APR), fixed1

6.49% - 9.94%

Estimated minimum monthly payment

$295.89 based on a 60 month, $15,000 loan at 6.84% APR*

Type

New auto
(2021 and newer)

Available terms

72 months

Annual percentage rate (APR), fixed1

6.74% - 10.39%

Estimated minimum monthly payment

$256.38 based on a 72 month, $15,000 loan at 7.09% APR*

Type

New auto
(2021 and newer)

Available terms

84 months2

Annual percentage rate (APR), fixed1

6.99% - 10.64%

Estimated minimum monthly payment

$230.37 based on an 84 month, $15,000 loan at 7.54% APR*

Type

New auto
(2021 and newer)

Available terms

96 months2

Annual percentage rate (APR), fixed1

7.74% - 12.24%

Estimated minimum monthly payment

$362.89 based on a 96 month, $25,000 loan at 8.74% APR*

Type

Used auto
(2014-2020)

Available terms

36-60 months

Annual percentage rate (APR), fixed1

6.64% - 10.34%

Estimated minimum monthly payment

$298.01 based on a 60 month, $15,000 loan at 7.14 APR*

Type

Used auto
(2014-2020)

Available terms

72 months2

Annual percentage rate (APR), fixed1

6.89% - 10.69%

Estimated minimum monthly payment

$258.55 based on a 72 month, $15,000 loan at 7.39% APR*

Type

Used auto
(2018-2020)

Available terms

84 months2

Annual percentage rate (APR), fixed1

7.34% - 11.99%

Estimated minimum monthly payment

$234.09 based on an 84 month, $15,000 loan at 8.04% APR*

Type

Business specialty vehicle3

Available terms

Up to 60 months

Annual percentage rate (APR), fixed1

11.49% - 13.49%

Estimated minimum monthly payment

$109.94 based on a 60 month, $5,000 loan at 11.49% APR*

Meet your larger business banking needs.

Have questions about expanding locations, construction loans or commercial real estate needs? Our experienced Commercial Relationship Managers are always available to provide the advice and support you need.

Request a real estate loan consultation
Body_Couple-in-Car-Looking-at-Phone
close_quote_large

Opened up business account in about 35 minutes. Fast, friendly service from great staff.

- Kip C.
close_quote_large

We provide local decisions and local loan servicing.

We keep our loans in-house. That means we’ll always be working together. It also means that you’ll always know who to call when you have a question or need to bounce around a big–or not so big–idea. It’s just one of the many ways we provide the dedicated, personal service that your business deserves.

We're not a bank, we're your partner.

When it comes to financing your goals, we work hard to understand your complete business outlook. We’ll discuss what’s motivating your need or what, if any, long-term effects should be on your radar. Throughout the process, we’ll work with you to find the perfect financing to fit your needs with flexible rate and term options.

Small business financing-OnPoint_Kaiser Branch Exterior_540x300-min

Get the financing your business needs.

Disclosures

All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published.

*APR=Annual percentage rate.

  1. Maximum loan amount is $50,000. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published.
  2. Small business line of credit minimum $10,000 limit, not to exceed $50,000. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published.

Note: Email should not be used to share important or sensitive information.

The security and privacy of your information is important to us. When communicating with us via email please do not send any information that is considered confidential or sensitive in nature. If you need to communicate any personal information (account numbers, social security number, etc.) please feel free to call the number listed in my profile or contact OnPoint Member Services at 503.228.7077 or 800.527.3932.

 

 

You are leaving OnPoint Community Credit Union.

The website you are about to visit is the responsibility of the party providing the site. Any transactions you enter into through this third-party site are solely between you and that vendor, merchant or other party. OnPoint’s Privacy Policy does not apply to this third-party site, and for further information you should consult the privacy disclosures of this site.

 

 

Cancel Accept