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Business Services

Does your business need an infusion of money for growth? Use your buildings, inventory, equipment, property or other assets to finance a Secured Business Loan. These loans are one-time capital loans that come with lower interest rates and more flexible term lengths than an unsecured loan. We're here to help you get what you need to grow your business. Call us today at (231) 924-4880 (see extensions below) or email

  • Low variable or fixed rates
  • Average term 5 years
  • Monthly P&I payments (may have a draw period of interest only)

Commercial Mortgage

Commercial mortgages work like standard credit union home mortgages, except that the lien is applied towards commercial real estate property used for business purposes.

  • 5 - 10 year terms available
  • Generally requires 20% down payment
  • Local decision-making 
  • Convenient automatic deduction of payments from your business checking account

Commercial Equipment & Vehicle Financing

Maintain your competitive edge with equipment and vehicles that work. We can help you finance purchase, repairs, and upgrades.

  • Generally requires 20% down payment (higher financing may be possible)
  • Local decision-making 
  • Convenient automatic deduction of payments from your business checking account
  • Borrower must maintain their primary business deposit relationship with us

In cooperation with Michigan Business Connection, our business lending partner, Gerber FCU offers a variety of financing solutions. Personal attention from experienced business lenders, a consultative approach to your needs, and competitive rates can ensure that your business is on the right financial track.

For more details, call us today at (231) 924-4880 (see extensions below) or email

Brent Deur
AVP - Consumer Lending
Ext. 310

Patti Scherf
Senior Branch Manager
Fremont Main Street Branch
Ext. 412

Tristan Jordan
Branch Manager
Newaygo Branch
Ext. 421


How do commercial mortgages work?

Commercial mortgages are similar to standard home loans or mortgages, in that they are liens placed on a property to help purchase the property for use. The primary difference is that these mortgages can only be used for commercial spaces, such as offices, garages, or restaurant locations, as well as for construction or renovation on an existing space.

As a result, these mortgages are only available to certain types of businesses, such as LLCs or S-class businesses, and not individuals. While the application process and purchasing process may be similar, commercial mortgages cannot be given out to individuals, nor can commercial mortgages be used to purchase residential properties.