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Business Line of Credit

Working capital when you need it

With our secured or unsecured business line of credit, get financing to maintain cashflow and cover short-term operating expenses.


Unsecured lines

Get the funds you need without providing collateral.


Secured lines

Get a higher line of credit by securing it with collateral.


Flexible terms

Choose your ideal term, with options between 12 and 60 months.


Overdraft protection

Use your business line of credit to avoid overdraft fees.


No utilization fees

Use it or don't use it— you won't be charged minimum maintenance or utilization fees.


Friendly service

Visit us at a branch, by phone, or online! You’ll enjoy our friendly member-focused service.

No Utilization Fees

Use your money your way

You won't "use it or lose it." We don't charge minimum maintenance or utilization fees on business lines of credit.

Worker man bagging coffee beans in a warehouse
Flexible Terms

Lock in funds— flexibly

Not sure how long you'll need your business line of credit? Lock in funds for a length of time that works for you, with terms from 12 to 60 months.

Young business owner packing up orders and taking phone calls in shop

Great personal service. Best online banking, especially for business use.

— Business Google Review

How it works

It's easy to get business line of credit.

  • 1

    Complete an application

    Fill out an application online or visit us at a branch.

  • 2

    Talk to a business services officer

    We'll reach out to review your application and discuss options.

  • 3

    Open your business line of credit

    Determine the best option and open your business line of credit.

Apply now

Have questions? We're here to help!


Schedule an appointment


Schedule now


Meet virtually


Video Banking


Give us a call


Call 218-625-8890

Flexible funds to keep you growing


Gain flexibility with a business line of credit. With term options and no minimum utilization fees, you’re free to use your line of credit your way.


Apply now


Restrictions apply. Membership and loan approval required.
Use of online or other electronic services may require specific hardware and software and your agreement to certain terms and conditions. Access is subject to the availability of the internet, cellphone and network coverage and plans, and typical service interruptions stemming from your providers or the credit union’s providers.

Video Banking