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Business Loans

Small Business Loan Financing Designed for Local Businesses

Team One Credit Union provides small business loan financing built for Michigan-based businesses that want fast decisions, flexible terms, and a local financial partner—not a national bank.

Our business lending is community-focused and locally managed, allowing us to make timely decisions based on real knowledge of the markets we serve. Every application is supported by a dedicated Commercial Loan Specialist who understands local industries, economic conditions, and small business needs.

Financing to Start, Grow, or Expand Your Business

Whether you’re opening your doors, purchasing equipment, or expanding operations, Team One Credit Union offers a range of commercial and small business loans designed to support your goals, including:

  • Competitive business loan rates

  • Flexible repayment terms

  • Personalized guidance from local lending professionals

  • Relationship-based lending with streamlined decision-making

Our commercial loan solutions are structured to help small businesses grow sustainably while maintaining strong cash flow.

Ready to Apply?

Take the next step toward growing your business with a trusted Michigan credit union.

 

Apply for a Small Business Loan

 

Why Choose Team One for Your Small Business Financing?

Team One Credit Union provides lending solutions designed to support local business growth and strengthen the communities we serve. Our small business loans focus on flexibility, accessibility, and long-term success. Key advantages include:

  • Local Decision-Making
    Work directly with lenders who understand the regional business landscape. Faster decisions and personalized guidance help your business move quickly.

  • Flexible Loan Options & Terms
    Financing is tailored to your business goals—whether you're expanding, purchasing equipment, improving cash flow, or investing in real estate.

  • Competitive, Transparent Rates
    Clear, fair pricing supports financial stability and aligns with Team One’s commitment to helping businesses grow sustainably.

  • Relationship-Focused Support
    As a member-owned credit union, we prioritize partnership over transactions. You’ll have ongoing access to our commercial lending team for future growth needs.

  • Strengthening Local Communities
    Every loan helps drive economic development in our region, supporting job creation and local investment consistent with Team One’s strategic community impact objectives.

Our qualified Commercial Services team is here to assist you with all your business needs. If you are looking for better service and a safe long-term financial partner and trusted financial partner, now is the time to contact Team One Credit Union for your business' financial needs.

Team One Credit Union's local and personalized Commercial Services are designed to fit your needs so you can concentrate on more important things... like running your business.
We offer business mortgage and construction loans for refinancing, buying or building, investment or owner occupied. With a business construction loan, your funds are ready to use when you are and interest accrues only on the funds that have been drawn.
Term Loan can help you fund permanent asset purchases or permanent working capital needs. We offer fixed or variable rate options, and flexible collateral options to meet your specific requirements.
Line of credit allows you to borrow what you need, when you need it with this convenient, pre-approved line of credit. With our Line of Credit, your business has the flexibility to borrow to meet short-term financing needs. Draw on your line of credit to take advantage of trade discounts, carry receivable or inventory, purchase small equipment and successfully manage seasonality in your sales cycle.

You can start by contacting our commercial lending team or submitting an inquiry online. A lender will guide you through requirements, gather documentation, and help determine the best financing option for your needs.

Typical requirements include business financial statements, tax returns, ownership information, a business plan (if applicable), and details about the purpose of the loan. Your lender will provide a personalized checklist based on the financing request.
Funds may be used for expansion, equipment purchases, inventory, real estate investments, working capital, or other business needs that support your growth strategy.
Team One works with businesses of many sizes—from startups to established organizations. Approval is based on your financial profile, business plan, cash flow, and collateral.
Yes. Our commercial lending team provides ongoing relationship support and is available to help your business plan future financing, navigate challenges, and prepare for new opportunities.

Serving Small Businesses Across Michigan

Team One Credit Union proudly supports businesses throughout Michigan, with branch locations in Bay City, Bad Axe, Caro, Flint, Owosso, Sandusky, Saginaw, and Traverse City. Our Commercial Loan Specialists work directly with business owners in these communities to deliver financing solutions aligned with local market needs.

Let us help you make managing your business finances easier.