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 and discuss solutions to help your business run better today, tomorrow, and in the future. AmeriCU’s Commercial Lender can help guide your business credit strategy. AmeriCU offers competitive rates, flexible terms, exceptional service, and quick approvals.

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

Express Commercial Vehicle Loan

  • Maximum loan amount; $50,000
  • Maximum loan-to-value: 120%
  • Maximum seven 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 Commercial Vehicle Loan Application into your nearest Financial Center or mail to:

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

Express Commercial Overdraft Line of Credit

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

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

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

Express Commercial Unsecured Loan

  • Start-up Business (up to $10,000) – in business less than one year
  • More than one year in business (up to $25,000)
  • Over two years in business (up to $50,000)

Maximum term is five years.

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

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

Commercial Working Capital Lines of Credit

  • Maximum credit lines: $250,000 (unsecured) and $1,000,000 (secured).
    For short- term working capital needs.
  • Interest only

Commercial Term Loans

  • Maximum loan amount: $250,000 (unsecured) and $1,000,000 (secured)
  • Maximum 10-year amortization (unsecured) and 15-year amortization (secured)

Commercial Real Estate Mortgage

  • Maximum loan amount: $10,000,000 (owner occupied & non-owner occupied)
  • Maximum loan-to-value up to 85%

Construction and Development Real Estate

  • Maximum loan amount: $10,000,000 (owner occupied & non-owner occupied)
  • Maximum loan-to-value up to 80%

To begin the application process for our  Commercial Working Capital Lines of Credit, Term Loans, 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