Commercial Lending Solutions

Your company's plans require customized financing delivered by local experts who know the Central and Southern Indiana marketplaces. Indiana Members Credit Union's commercial lending team will work to match your business with a loan that fits your needs. 

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Personalized business financing with local approvals and lenders.


Successful business relationships are built on trust. When you work the commercial lending team at IMCU, you're backed by professionals invested in your company's success. 
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Here's How to Apply

These loan application instructions explain how the process works.

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Launch your next project with a commercial loan from IMCU. 

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Lending solutions tailored to businesses of all sizes. 
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Competitive rates, local decision‑making, and timely responses. 
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Multiple loan types, including lines of credit and credit cards. 
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Local underwriting and more than 125 years of combined experience.


Lines of Credit 

 
Open a line of credit so you always have access to money whenever you need to take action to keep your operations on track. 
 
  • Quick access to funds for a wide range of business purposes.
  • Often used for repairs, inventory, payroll, and seasonal expenses.
  • Interest-only monthly payments available.

Commercial Real Estate Loans


Whether you're building from the ground up, renovating your current property, or researching refinancing options, turn to IMCU for solutions that fit your specific needs. 
 
  • Investment real estate.
  • Owner-occupied commercial real estate.
  • Flexible terms and amortization periods.

Equipment & Inventory Financing


Get the right tools to get the job done, and the right products to stock shelves and showrooms. Our customized equipment and inventory loans help you acquire the assets you need.
 
  • Term loans and lines of credit available.
  • Competitive rates and customized, flexible terms.
  • Available for a wide range of industries. 

Construction Loans


As a business owner or developer, you can leverage customized construction financing from a local team ready to move your project ahead. 
 
  • Construction‑to‑permanent financing support.
  • Competitive rates during construction.
  • Long‑term take‑out financing.

Commercial Credit Cards


Choose between two IMCU Visa® credit cards that provide spending power, flexibility, and everything you need for your everyday business activity. 
 
  • No annual fee. 
  • Choose to earn rewards on everyday purchases.
  • Competitive interest rates.

Small Business Administration Loans


Explore a wide range of business financing through government-backed SBA Loans that feature lower down payments and longer repayment terms, serviced by IMCU.
 
  • Loans up to $5 million for existing businesses and start-ups.
  • Available for real estate, equipment, renovations, and more.
  • Expert assistance from our commercial lending team.




























Local Underwriting and Approval

We serve the financial needs of businesses with a team of professionals who strive to provide the guidance and resources to assist our members in successfully operating their businesses. 

Our philosophy is simple. We strive to creatively tailor a customized package of products and services unique to each member's business situation. Our tagline – Keeping It Simple – isn't just an empty advertising slogan. It's an intangible benefit of membership. 

Meet the Team
 
































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Our Treasury Management tools help streamline operations. 


From wire transfers and ACH payments to managing payroll and fighting fraud, you can access a full suite of services aligned with your business needs. Our robust business management and reporting tools help you stay on top of your accounts and payment processes, providing valuable insights available anytime.
All loans are subject to membership eligibility requirements, underwriting guidelines, and approval based on creditworthiness.