Business Loans

Customer using their business credit card to shop at a local business.

Business Credit Card

A hassle-free VISA Credit Card offering the same convenience and service you’ve come to expect from TBA Credit Union.

  • No Annual Fee – You read that right, no annual fee.
  • Bonus Points that Never Expire – Earn one Scorecard Rewards bonus point for every dollar spent.
  • EMV/Chip Cards – EMV/Chip cards available.
  • Digital Wallet– Apple Pay, Google Pay, and Samsung Pay enabled.
  • Fast Cash – Available at thousands of ATMs and walk-up locations nationwide.
  • Fraud Protection – When irregular transactions appear on your account, you will be called to verify purchases.
  • Flexibility – Limits available from $500 to $30,000.
  • Convenience – Pay by mail, online or at any branch office. Access account information online 24/7.
  • Local Servicing – Call or text 231.946.7090 from 8 to 6 Monday through Friday for balances, card replacements or general questions regarding your account.
  • Eco–Friendly – Choose free e-statements and limit paper waste.

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Smiling man standing outside his espresso bar business.

Business Loans

At TBA Credit Union, we understand that your business needs to grow. No matter your needs, we are here to expand your business through a variety of lending options.

  • Real estate: Purchase new real estate or refinance owned real estate for various purposes. TBACU offers flexible terms to suit your business needs. 
  • Lines of credit: Useful for a business to use for seasonal cash-flow demands or other various needs for your business. Lines of credit can be secured by real estate, equipment or other physical assets. Unsecured lines of credit may be also available depending on various factors.
  • Automobile/fleet: Used to purchase new automobile(s) or refinance existing business automobiles, trucks etc. TBACU has a fast approval process to get your business out on the road and growing quickly. 
  • Equipment: Used to purchase new or refinance existing equipment used by a business. Similar to auto lending, TBACU has a fast approval process to help small businesses keep running by securing the equipment they need to perform.  
  • SBA Loans: TBA is an authorized SBA Lender and partners with great local CDC’s and other SBA supported organizations to help small businesses find the best options available for their needs. For more information on SBA Loans, visit for specific programs. 

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Forms and Documents

  1. Authorization to Obtain Consumer Credit Report
  2. Business Debt Schedule
  3. Business Loan 4506-T
  4. Business Loan Application
  5. Business Loan Document Checklist
  6. Certification of Beneficial Owners of Legal Entity Instructions and PDF Fillable Form 2018
  7. Personal Financial Statement
  8. Taxpayer Consent Form 

Contact the Commercial Team


Chris Milliron, CLO

Chris has 15 years of experience in commercial lending, consumer loans, and mortgages. Chris enjoys working with business owners to find ways to best help their business thrive, whether they just starting out or expanding and growing. Combining his experience and commitment to member service provides Chris a solid platform to help businesses with their lending needs.





Mark Guimond, Community Relationship Manager

Mark Guimond, Commercial Relationship Manager


Mark has over 35 years of Credit Union experience in both business and member service. Mark is excited to help our business community grow by tailoring TBACU products and services to fit your needs in both savings and lending areas. Providing exceptional service and products allows our members to focus on growing their business.





Andrea Clark, Commercial Loan Administrator

Andrea Clark, Commercial Loan Administrator

Andrea has over 10 years of Credit Union experience in member service and lending. Andrea is excited to work with business owners new and established to help grow their business. With a wide range of credit union knowledge she can assist with all business lending needs.






“When I needed business help in the midst of Covid-19, Andrea at TBA Credit Union was immediately helpful. She started a PPP loan process ASAP for me, kept me in the loop with changes, and communicated frequently and clearly. TBA showed up for me in a way I’ve never experienced with another bank, and I’m so appreciative of their care for and attention to small business customers.”- Mareesa Orth, Design by Reese LLC | May 2020

Business Loans - Schedule an Appointment Today!