Red Alert Attention Legacy Mountain Valley Members: Important updates regarding the merger are now available. Please visit our Merger Information Page for details. Close

Business Loans, Lines of Credit, Credit Cards & Real Estate

When it comes to managing your business, you need a financial partner who will sit down and discuss solutions to help your business thrive. AmeriCU’s Commercial Loan Officers will help guide your business’s credit strategy. Whether you are consolidating high interest loans, expanding inventory, purchasing a delivery vehicle, protecting your checking account, refinancing property, purchasing an apartment complex, or expanding or relocating your business, AmeriCU is here to help.

AmeriCU’s Commercial Lenders will help guide you through the mortgage or lending process. And, our community focus and local decision making is complemented by competitive rates, flexible terms, exceptional service, and quick approvals.

Commercial Vehicle Loan

  • Loan amounts as high as $100,000
  • Loan to value up to 100%
  • Terms up to 7 years
  • Financing for cars, pickups, vans, and SUVs (no fleet vehicles)


Contact a member of our team below for current rates and more information.

Unsecured Term Loan

  • Loan amounts as high as $500,000
  • Start-up Businesses may qualify for up to $50,000
  • Terms up to 10 years


Contact a member of our team below for current rates and more information.

Overdraft Line of Credit

  • Credit lines as high as $10,000
  • Simply link to your business checking account
  • Automatic advances to cover overdrafts


Contact a member of our team below for current rates and more information.

Commercial Working Capital Lines of Credit

  • Great for short-term working capital needs
  • Credit lines as high as $2 million
  • Interest-only payments


Contact a member of our team below for current rates and more information.

Real Estate Mortgage

  • Owner and Non-Owner Occupied
  • Amortizations up to 25 years
  • Fixed and Adjustable Rates Available
  • Participation Loan Opportunities


Contact a member of our team below for current rates and more information.

Construction and Development Real Estate

  • One loan closing
  • Draw periods up to 24 months
  • Permanent Loan Amortizations up to 25 years
  • Loan-to-Value as high as 80%
  • Participation Loan Opportunities


Contact a member of our team below for current rates and more information.

Term Loans

  • Great for equipment purchases
  • Loan amounts as high as $5 million
  • Amortizations up to 15 years


Contact a member of our team below for current rates and more information.

VISA® Business Credit Cards

  • Credit lines as high as $25,000
  • Competitive rates
  • Business Rewards
  • No annual fee
  • Employee cards with your full control and visibility


Contact a member of our team below for current rates and more information.

Commercial Lending Team

Christopher Metot is the AVP, Lending Sales for Business Services at AmeriCU Credit Union.

Christopher Metot

AVP, Lending Sales

800.388.2000 ext. 6222

[email protected]

Benjamin Mack is a Commercial Loan Officer for Business Services at AmeriCU Credit Union.

Benjamin Mack

Senior Commercial Loan Officer

800.388.2000 ext. 3359

[email protected]

Emily Bristol

Emily Bristol

Commercial Loan Officer

800.388.2000 ext. 6336

[email protected]

Daniel Lent

Daniel Lent

Commercial Loan Officer

800.388.2000 ext. 3358

[email protected]

John Catera

John Catera

Commercial Loan Officer

315.356.3000 ext. 6245

[email protected]

Mike Cook

Mike Cook

Small Business Relationship Manager | With Offices Located in Herkimer, Commercial Drive, North Utica, Rome, and Griffiss Park

800.388.2000 ext. 6287

[email protected]

Todd Stiles

Todd Stiles

Small Business Relationship Manager | With Offices Located in Fayetteville, Thompson Rd, Cicero, Armory Square, Liverpool, Onondaga Hill, Camillus, Auburn, and Cortland

315.356.3000 ext. 6249

[email protected]

Noah Hartung

Noah Hartung

Commercial Sales Administrator

800.388.2000 ext. 3349

[email protected]

Excelsior Linked Deposit Program

Excelsior Linked Deposit Program

AmeriCU participates in the Excelsior Linked Deposit Program (LDP) offered by Empire State Development. The LDP is an economic development initiative created to encourage and assist small businesses within New York. This reduced-rate financing program allows qualifying business to make investments to undertake eligible projects that will contribute to improving their productivity, performance, and competitiveness. The LDP helps strengthen small businesses by making borrowing less expensive.

Interested in LDP? Stop into one of AmeriCU’s Financial Centers to start the application process or contact us to learn more.

AmeriCONNECT Visa® Business Rewards Credit Card

Featuring great, low rates, contactless payment, and zero liability from fraud, making them the perfect card for your everyday business needs!

Business Credit Card

You may also be interested in

Feature Image

Business Deposits

Managing customers, cash flow and expenses can demand a lot of your time. That’s why AmeriCU has designed deposit account solutions with your business in mind.

Feature Image

Cash Management Services

Enjoy a seamless and personalized experience that meets the demands of your business with our online and mobile services including ACH, Automatic Bill Pay, Remote Deposit, and more.

Feature Image

Commercial Insurance

Your business is big business to us! We’re here to protect your business, work directly with you and for you, and help evaluate the risk exposures specific to your commercial investment.

Let's Connect

Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!


Latest From AmeriCU

Scholarships

News

Dec 10, 2025

AmeriCU Proudly Connects Students with Annual Scholarship Opportunity

AmeriCU Credit Union is proud to connect 12 deserving students with a $1,000 scholarship toward their education.

Using AI In Personal Finance

Education

Nov 18, 2025

Using AI in Personal Finance

In today’s fast-paced digital world, managing personal finances has become more complex—and more critical—than ever.