Small Business Loans
Financing Your Business Dreams
We know capital is key for small business success. Point West offers a multitude of Small Business Loan options to support your growth.
Why Choose Point West?
At Point West, we offer personalized loan solutions to help your business grow. With competitive rates and local expertise, we’re committed to supporting your business at every stage.
Local Expertise
Partner with a credit union that understands the local community and is dedicated to supporting small businesses.
Competitive Rates
Enjoy competitive interest rates designed to help your business grow without straining your cash flow.
Flexible Loan Options
Choose from a variety of loan products, including term loans, and lines of credit, tailored to your business’s specific needs.
Check out our Small Business Loans!
Secured Business Purpose Loan
Point West understands your business needs are unique. Connect with our Member Service Representative or Loan Officer to discover customized lending solutions and resources from your Portland-based credit union.
Business Debt Consolidation
Managing multiple debts can be challenging for any business. Point West offers business debt consolidation solutions to help streamline your finances. By consolidating your debts into a single, manageable loan, you can reduce your monthly payments, lower your interest rates, and improve your cash flow.
Business Share Secured Loan
A great option for small businesses needing to repair or rebuild their credit. Secure your loan by depositing funds into a Point West share account or share certificate. Borrow up to 100% of the share balance, with loan status reported to credit bureaus to help improve your credit profile.
Business Line of Credit
With a Point West Business Line of Credit, you’ll have access to working capital to cover cash flow gaps or unexpected expenses. It’s the financial flexibility your business needs, ready at your fingertips.
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Loan Type |
Term |
APR (Fixed) |
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*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 >> **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. Automatic payments are required for lowest rate. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >> ***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 >> Learn More |
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Loan Type Secured Business Purpose Loan |
Term 1 – 84 months |
APR (Fixed) 5.74% – 20.00%* |
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Loan Type Business Debt Consolidation |
Term 1 – 60 months |
APR (Fixed) 10.24% – 25.49%** |
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Loan Type Business Share Secured Loan |
Term 1 – 120 months |
APR (Fixed) 2.24%*** |
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APR (Variable)* |
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*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 >> Learn More |
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APR (Variable)* 9.25% – 24.75% |