


Local decisions. Quick timelines.

property purchase
Commercial Mortgage
- Flexible terms + amortizations.
- Highly competitive rates.
- Refinances available for existing loans.

WORKING CAPITAL
Commercial Line of Credit
- Financing on demand.
- Inventory purchasing.
- Day-to-day operation coverage.

Asset purchase
Business Equipment
- Essential business needs financing.
- Flexible terms.
- Highly competitive rates.

GOVERNMENT GUARANTEED
SBA Loans
- Startups.
- Acquisition/expansions.
- Collateral shortfall.

cash back rewards
Credit Card
- 2% cash back on gas purchases.
- 1% cash back on everything else.
- Starting at 10.99% APR1
- No annual fee.



Small Business Administration Loan


Our Business Lenders.

Julie Olson
Senior Commercial Relationship Manager

Nick Kreis
Commercial Relationship Manager
Hi, I'm Nick. I work with members by listening and learning, then plan and propose how to achieve their business goals. The power of locally funded loans, decisions, and service allow me to deliver an unmatched experience. I take pride in tailoring each relationship to fit the member's needs and eliminate any "cookie-cutter" approach, as no two businesses or business owners are alike.

Terry Garceau
Commercial Relationship Manager
Hi, I'm Terry, and with over 30 years of financial institution experience, I'm ready to work with you to help achieve your business goals. I've lived in the Upper Peninsula my entire life. Because Embers is headquartered and managed locally, we can understand your needs and respond quickly with the highest level of service! We value our relationships with our Members, and we're here for you to provide great options to help you be successful. Please let us know how we can help you!

Matt Nord
VP, Chief Lending Officer
Hi, I’m Matt. Like Embers Credit Union, I was born and raised in the Upper Peninsula and know what UP businesses need to thrive. Successful businesses have at least one of the following traits, being the first to market, being the best/highest quality, or being the most cost effective. At Embers, we are ALL THREE! We get to the closing table quickly, provide market-leading customer service, and extremely competitive rates and structure. Our team welcomes the opportunity to show current and prospective members what makes us different.
Questions?
- Business Name
- Business Address
- Nature of Business
- Annual Net Profit
- Annual Gross Sales
- List of outstanding credit obligations, if any.
- Credit score
- Cash flow
- Collateral