Nu Direction Business Lending

American Spirit FCU has partnered with Nu Direction Lending to offer commercial business loans. If you’re a small or medium business in need of lending services, please review our loan program terms and visit our website to submit your application!

Loan Program Qualifications

Non-real estate loans of $25,000 to $250,000 available in all states except: VT, NV, SD, ND require Personal Guaranty, UCC-1 filing on all business assets and Membership with American Spirit FCU.

Rates: 6.99% -18%

Loan Term: 1-4 years, monthly payments

Fees: 1-6% origination fee

Amortization: Fully Amortized

FICO: 650+

Creditworthy Businesses & Business Owners

Time in business > 24 months

  • Last 12 months revenue > $150,000
  • No bankruptcy in past 5 years
  • No unpaid judgment or lien in past 5 years
  • No collections, charge-off or 90+ trade in last 24 months
  • No current delinquencies

Learn more and apply today!