Business Loans

Small Businesses, Transforming Lives

We understand that reliable access to capital is essential to our local small businesses. Whether it's a business purpose loan, line of credit or a Business VISA credit card, Point West is here to help your business succeed.

Secured Business Purpose Loan

APR (Fixed)*

*APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms See full rates details and disclosures >>

5.49% - 24.00%

Your business is unique, and Point West is here to discuss how we can serve your specific needs. Speak with a Member Service Representative or a Loan Officer today about how we can connect you with lending resources and options for your small business direct from your Portland-based credit union. Via local business partners and credit union cooperatives, we can help you  implement small business service tools and find a loan option which best suits your business.


Business VISA Credit Card

Purchase APR*

Cash Advance APR*

Annual Fee

Cash Advance Fee

Late Fee

Min. Finance Charge

Return Payment Fee

Min. Payment

*APR = Annual Percentage Rate. All rates and programs are subject to change at any time. All loans are subject to credit approval. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >>

8.95%

8.95%

$0.00

$0.00

$27.00

$0.00

$27.00

3% of balance up to $25.00

Built with small businesses in mind, our Business VISA credit card gives your business the purchasing power and flexibility it needs with low rates, no annual fee, and ScoreCard Rewards Points on every purchase.

  • 8.95% APR* (Purchase Rate)
  • Cash advance rate of 8.95% APR*
  • 25-day grace period
  • No annual fee
  • Apple Pay enabled
  • No international transaction fees
  • Earn ScoreCard Rewards Points on every purchase

Business Line of Credit / Unsecured Business Loan

APR (Variable)*

*APR = Annual Percentage Rate. All rates and programs are subject to change at any time. All rates are variable unless noted otherwise, and are tied to the Prime Rate. Rate changes the 1st day of the month after the Prime Rate index changes. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment, member must have a Point West checking account, and member must enroll in direct deposit. Rate is 0.25% APR higher for non-auto pay loan payments  and 0.50% APR higher for members not enrolled in direct deposit. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >>

 

11.74% - 26.74%

Take your small business to the next level! Finance a variety of business needs with an unsecured business purpose loan or business line of credit with Point West.


Business Share Secured Loan

APR (Fixed)*

*APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. Loan not eligible for rate discounts. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >>

2.24%

A great option for small businesses in need of repairing or rebuilding their credit. Deposit funds into a Point West share account or share certificate to secure the loan. Borrow up to 100% of the share balance. Loan status is reported to the credit bureaus.

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