Business financing
Grow your business with a customized loan from OnPoint Community Credit Union.
Small business term loans
Expanding your business, purchasing new or used business equipment or other long-term financing needs.
Small business lines of credit
Giving your business the resources it needs with financing you can use when you need it.
Small business auto loans
Keeping your business moving with affordable options for purchasing new, used or refinanced vehicles.
Commercial real estate loans
Expand your business, purchase or refinance real estate with fixed- or variable-rate loans and lines of credit.
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
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
Available terms | Annual percentage rate (APR) | Estimated minimum monthly payment | |
|---|---|---|---|
Rates Effective: 04-27-2024 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.
| |||
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* | |
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 | |
Available terms | Annual percentage rate (APR), fixed1 | Estimated minimum monthly payment | |
|---|---|---|---|
Rates Effective: 04-27-2024 Learn more about business auto loansAll 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
Alternative terms and additional conditions may apply when aggregate debt exceeds $50,000. | |||
New auto | 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* |
New auto | 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* |
New auto | 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* |
New auto | 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* |
Used auto | 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* |
Used auto | 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* |
Used auto | 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* |
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
- Kip C.Opened up business account in about 35 minutes. Fast, friendly service from great staff.
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.
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.
- 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.
- 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.
