Business financing
Grow your business with a customized loan from OnPoint Community Credit Union.
Business Credit Cards
Flexible spending power to manage everyday expenses, earn rewards, and keep cash flow moving.
Small business auto loans
Keeping your business moving with affordable options for purchasing new, used or refinanced vehicles.
Small business lines of credit
Giving your business the resources it needs with financing you can use when you need it.
Small business term loans
Expanding your business, purchasing new or used business equipment or other long-term financing needs.
Contact a lender today
Compare small business financing
Small business term loans
Small business lines of credit
Small business auto loans
Best for:
Expanding your business, purchasing new or used equipment or other long-term financing needs.
Giving your business the resources it needs with financing you can use when you need it.
Keeping your business moving with affordable options for purchasing new, used or refinanced vehicles.
Flexible terms
Up to 60 months
Up to 84 months
Fixed-rate
Variable-rate
Annual percentage rate
11.00% - 16.00% fixed rate1 See additional details.
10.75% - 12.75% variable rate2 See additional details.
Estimated minimum monthly payment
$470.57 based on a 60 month, $20,000 loan at 14.50% APR*
2% of outstanding balance or $25, whichever is greater
Compare small business financing
Best for:
Best for:
Flexible terms
Flexible terms
Fixed-rate
Fixed-rate
Variable-rate
Variable-rate
Annual percentage rate
Annual percentage rate
Estimated minimum monthly payment
Estimated minimum monthly payment
Small business term loans
Best for:
Expanding your business, purchasing new or used equipment or other long-term financing needs.
Flexible terms
Up to 60 months
Fixed-rate
Variable-rate
Annual percentage rate
11.00% - 16.00% fixed rate1 See additional details.
Estimated minimum monthly payment
$470.57 based on a 60 month, $20,000 loan at 14.50% APR*
Small business lines of credit
Best for:
Giving your business the resources it needs with financing you can use when you need it.
Flexible terms
Fixed-rate
Variable-rate
Annual percentage rate
10.75% - 12.75% variable rate2 See additional details.
Estimated minimum monthly payment
2% of outstanding balance or $25, whichever is greater
Small business auto loans
Best for:
Keeping your business moving with affordable options for purchasing new, used or refinanced vehicles.
Flexible terms
Up to 84 months
Fixed-rate
Variable-rate
Annual percentage rate
Estimated minimum monthly payment
Additional small business loan rate info
Type | Available terms | Annual percentage rate (APR) | Estimated minimum monthly payment |
|---|---|---|---|
Rates Effective: 04-24-2026 Learn more about small business lines of credit and term loans*APR=Annual percentage rate All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published.
| |||
Type | Available terms Up to 60 Months | Annual percentage rate (APR) 11.00% - 16.00% fixed rate1 | Estimated minimum monthly payment $470.57 based on a 60 month, $20,000 loan at 14.50% APR* |
Type | Available terms N/A | Annual percentage rate (APR) 10.75% - 12.75% variable rate2 | Estimated minimum monthly payment 2% of outstanding balance or $25, whichever is greater |
Type | Available terms | Annual percentage rate (APR), fixed1 | Estimated minimum monthly payment |
|---|---|---|---|
Rates Effective: 04-24-2026 Learn more about business auto loansAll loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published. Maximum LTV may vary depending on credit history and factors specific to your loan. LTV is calculated using Kelley Blue Book retail value or MSRP for vehicles not previously titled. Vehicles meeting OnPoint’s Green Auto Discount standards receive a 0.25% discount off stated APR. Discount does not apply to existing OnPoint auto loans or promotional rates. *APR=Annual percentage rate
Alternative terms and additional conditions may apply. | |||
Type New auto | Available terms 36-60 months | Annual percentage rate (APR), fixed1 5.74% - 9.44% | Estimated minimum monthly payment $294.12 based on a 60 month, $15,000 loan at 6.59% APR* |
Type New auto | Available terms 72 months | Annual percentage rate (APR), fixed1 5.99% - 9.89% | Estimated minimum monthly payment $255.98 based on a 72 month, $15,000 loan at 6.84% APR* |
Type New auto | Available terms 84 months2 | Annual percentage rate (APR), fixed1 6.24% - 10.14% | Estimated minimum monthly payment $228.52 based on an 84 month, $15,000 loan at 7.29% APR* |
Type New auto | Available terms 96 months2 | Annual percentage rate (APR), fixed1 7.24% - 11.74% | Estimated minimum monthly payment $359.67 based on a 96 month, $25,000 loan at 8.49% APR* |
Type Used auto | Available terms 36-60 months | Annual percentage rate (APR), fixed1 5.89% - 9.84% | Estimated minimum monthly payment $296.24 based on a 60 month, $15,000 loan at 6.89% APR* |
Type Used auto | Available terms 72 months2 | Annual percentage rate (APR), fixed1 6.14% - 10.19% | Estimated minimum monthly payment $256.74 based on a 72 month, $15,000 loan at 7.14% APR* |
Type Used auto | Available terms 84 months2 | Annual percentage rate (APR), fixed1 6.59% - 11.49% | Estimated minimum monthly payment $232.23 based on an 84 month, $15,000 loan at 7.79% APR* |
Type Business specialty vehicle3 | Available terms Up to 60 months | Annual percentage rate (APR), fixed1 10.99% - 12.99% | Estimated minimum monthly payment $109.31 based on a 60 month, $5,000 loan at 11.24% APR* |
Interest Rates and Charges | Annual Percentage Rate (APR)1 |
|---|---|
Rates Effective: 04-24-2026 See important information about rates and fees Learn more about business platinum Visa® with rewards1 APR will vary with the market based on the prime rate. Grace period for repayment of purchase balance: 25 days How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases). See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. | |
Interest Rates and Charges Purchases | Annual Percentage Rate (APR)1 12.50% - 23.00% based on creditworthiness |
Interest Rates and Charges Balance transfers | Annual Percentage Rate (APR)1 14.50% - 25.00% based on creditworthiness |
Interest Rates and Charges Cash advances | Annual Percentage Rate (APR)1 14.50% - 25.00% based on creditworthiness |
Interest Rates and Charges | Annual Percentage Rate (APR)1 |
|---|---|
Rates Effective: 04-24-2026 See important information about rates and fees Learn more about business platinum Visa®Business Platinum Visa Credit Card Agreement 1 APR will vary with the market based on the prime rate. Grace period for repayment of purchase balance: 25 days How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases). See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. | |
Interest Rates and Charges Purchases | Annual Percentage Rate (APR)1 11.50% - 22.00% based on creditworthiness |
Interest Rates and Charges Balance transfers | Annual Percentage Rate (APR)1 13.50% - 24.00% based on creditworthiness |
Interest Rates and Charges Cash advances | Annual Percentage Rate (APR)1 13.50% - 24.00% based on creditworthiness |
Business credit cards made for how you work
Choose the business credit card that fits the way you work. Our two Business Platinum Visa® options give you flexibility, competitive rates, and the choice between simple value or everyday rewards.
Business Platinum Visa® with Rewards
Collect 1 point for every $1 you spend—easy, rewarding, and designed to strengthen your business.
Business Platinum Visa®
Enjoy straightforward spending with no annual fee and a lower rate—simple, flexible, and built for everyday business needs.
Business banking done right.
We take a personal approach to help you run your day-to-day business. OnPoint provides the resources and guidance to determine the right payment processing and deposit tools your business needs. By helping you manage your transactions more securely or expanding payment channels to accept digital and mobile payments, we’re helping ensure you never miss out on a sale.
Learn more and select the right payment software plan
Business payment processing solutions include:
- Innovative technology
- Mobile & contactless payments
- Fast funding options
- Fraud mitigation
- Payment optimization
- Data protection
Get the financing your business needs.
Disclosures
All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published.
*APR=Annual percentage rate.
- Maximum loan amount is $50,000. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published.
- Small business line of credit minimum $10,000 limit, not to exceed $50,000. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published.
