Commercial Lending + Credit Cards

Manage. Grow. Succeed!

With AmeriCU Commercial Lending Solutions

When it comes to managing and growing your business, you need a financial partner eager to sit down with you and discuss solutions that will help your business run better today, tomorrow, and as you move it to new heights. That’s where your AmeriCU Commercial Lending Specialist comes in – to help guide you to the best credit strategy for your business, complete with competitive rates, flexible terms and quick approvals – all delivered with the exceptional service AmeriCU members expect.

AmeriCU Credit Union is approved to offer SBA loan products.

Express Business Credit Card

To begin the application process, please bring a completed VISA® Business Credit Card Application into your nearest Financial Center or mail to:

AmeriCU Credit Union
Attn: Commercial Lending
1916 Black River Blvd. N
Rome, NY 13440-9974
Fax:  315.356.0740

Express Vehicle Loan

  • Maximum loan amount; $50,000
  • Maximum loan-to-value: 120%
  • Maximum 7-year term and amortization
  • Cannot be used for fleet vehicle financing
  • Limited to cars, pick-ups, vans, and SUV’s

To begin the application process please bring a fully completed Express Vehicle Loan Application into your nearest Financial Center or mail to:

AmeriCU Credit Union
Attn: Commercial Lending
1916 Black River Blvd. N
Rome, NY 13440-9974
Fax: 315.356.0740

Express Overdraft Line of Credit

  • Maximum credit line: $10,000
  • Attached to member’s business checking account
  • Automatic advances to cover overdrafts

To begin the application, process please bring a fully completed Express Overdraft Line of Credit Application into your nearest Financial Center or mail to:

AmeriCU Credit Union
Attn: Commercial Lending
1916 Black River Blvd. N
Rome, NY 13440-9974
Fax: 315.356.0740

Working Capital Lines of Credit

  • Maximum credit lines: $100,000 (unsecured) and $1,000,000 (secured).
    For short- term working capital needs.
  • Interest only

Term Loans

  • Maximum loan amount: $100,000 (unsecured) and $1,000,000 (secured)
  • Maximum 10-year amortization (unsecured) and 15-year amortization (secured)

Commercial Real Estate Mortgage

  • Maximum loan amount: $8,000,000 (owner occupied & non-owner occupied)
  • Maximum loan-to-value up to 80%

Construction and Development Real Estate

  • Maximum loan amount: $8,000,000 (owner occupied & non-owner occupied)
  • Maximum loan-to-value up to 75%

To begin the application process for our Working Capital Lines of Credit, Term Loans, Commercial Real Estate Mortgages and Construction & Development Real Estate, please bring a fully completed Personal Financial Statement, Business Loan Application and Business Environmental Questionnaire into your nearest Financial Center or mail to:

AmeriCU Credit Union
Attn: Commercial Lending
1916 Black River Blvd. N
Rome, NY 13440-9974
Fax: 315.356.0740