Get money fast with a Business Line of Credit
For Business Cash Flow & Operational Expenses
Say hello to a new way of covering extra expenses* with a Business Line of Credit
- Loan amounts start at $5,000*
- Interest-only payments
- Can be used as overdraft protection
- No annual fees
- Maximum term of 3 years
- Requires a business checking account
For further details or to apply, contact Business Services today:
*The minimum approved loan amount is $5,000. You are required to have a linked Meriwest checking account and establish automatic payments from that linked checking account. Variable rate loan is subject to credit approval. You must contact a Business Services Representative for a Business Line of Credit over $50,000.
Membership requires a one-time non-refundable $5 fee.
Pair Your Line of Credit with a Business Checking Account
Business Free Checking
Ideal for Micro Businesses
This checking account is ideal for business members not wanting to worry about check writing or check deposit fees.
Learn More
Non-Profit Checking
Ideal for Micro Businesses
Tailored for non-profit organizations, offering no monthly fees and essential banking services to support your mission.
Learn More
Business Elite Checking
Ideal for Small & Medium Businesses
Designed for businesses with higher transaction volumes, offering higher transaction limits and additional features to manage your finances effectively.
Learn More
Business Essentials Checking
Ideal for Small & Medium Businesses
Provides affordable banking with low fees, helping you manage your finances efficiently.
Learn More
IOLTA Account
Designed For Law Firms
For Lawyers to raise money for charitable purposes, primarily the provision of civil legal services to indigent persons.
Learn More
Join Our Family!
Membership is required for Meriwest Business Products and Services. You are eligible to join Meriwest Credit Union if any of the following applies:
- Business is owned or operated in one of the following counties: Alameda, Contra Costa, San Francisco, San Mateo, and Santa Clara counties of Northern California, and Pima county of Arizona.
- Business is part of our Meriwest at Work program
- Business is a technology company within the states of California or Arizona
- Business owner is a Meriwest Member
People Usually Ask:
-
Do you offer business savings?
Yes! Meriwest is proud to offer a wide variety of business options for our members including checking, savings, lending, and convenient services.
Explore our Business Savings.
-
Do you offer business loans?
Yes! Our business loan options are:
Visit our Business Banking page to learn more!
-
What are the current business certificate rates?
Visit our Business Rates page for the current CD rate and term information.
-
What are the current business money market rates?
Visit our Business Rates page for the current Business Money Market rate information.
-
What Business Checking Accounts do you offer?
Meriwest can offer dividends on checking accounts to all business members, unlike the typical bank.
-
What is an SBA loan program and how does it apply to business financing?
SBA stands for the U.S. Small Business Administration, a federal government agency that supports small businesses by providing loan programs designed to reduce risk for lenders. SBA programs do not issue loans directly. Instead, they provide a government‑backed guarantee on a portion of certain business loans made by lenders.
Meriwest does not offer SBA loans as a standalone product. In some cases, SBA programs may be used as part of Meriwest’s business loan underwriting process to help eligible businesses qualify for financing when conventional terms alone may not be sufficient.
To be considered for SBA support, businesses generally must:
- Be a for‑profit business
- Operate and do business within the United States
- Demonstrate the ability to repay the loan
- Meet SBA eligibility, size, and use‑of‑funds requirements
There is no separate SBA loan application on the Meriwest website. All business loans are evaluated through Meriwest’s standard underwriting process, and SBA support is considered only when appropriate and is not guaranteed.
For more information about SBA loan programs and eligibility, visit the U.S. Small Business Administration website