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Lines of Credit

Running a business often means dealing with the unexpected. A line of credit is business financing that allows you to tap into a pool of money anytime action is needed to keep your operations on track.
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React right away when the situation calls for it. 

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Access to available funds for almost any purpose.
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Helpful for repairs, inventory, payroll, and seasonal expenses.
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Flexible interest-only monthly payments. 

A business loan that can adapt to your needs.

In a fast-paced world, there's no time to apply for new commercial financing every time extra funds are needed. An IMCU credit line gives businesses – from retailers to manufacturers to medical providers – quick, convenient access to cash when you need it most. Our business lending team can offer details on how one application can result in long-term borrowing power.
 
  • Secured and unsecured options for business lines of credit.
  • Access to funds through digital banking tools and at Indiana Members Credit Union branches.
  • Competitive interest rates. 
  • Flexibility to pay interest only on the funds actually in use.
  • As principal is repaid, it may be used again for other purposes.
  • Quick response to credit line applications.
 
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Here's How to Apply

These loan application instructions explain how the process works.

















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Working Capital Line of Credit Uses

 
  • Manage cash-flow fluctuations.
  • Fund payroll and operating expenses.
  • Purchase inventory or raw materials.
  • Cover seasonal or cyclical expenses.
  • Bridge the gap between accounts receivable and payables.
  • Make emergency repairs or time-sensitive upgrades.
  • Take advantage of short‑term growth opportunities.




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Our Commercial Lenders are ready to help!

Commercial Real Estate Loans
Purchase land, buildings, and other property with a  Commercial Real Estate Loan.

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Equipment & Inventory Financing
Upgrade your tools and restock with Equipment & Inventory Financing.

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Commercial Credit Cards
Apply for an IMCU Visa® credit card that provides purchasing power for your company.  

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All loans are subject to membership eligibility requirements, underwriting guidelines, and approval based on creditworthiness.