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    Hi! Is there something I can help you find?

    • What would you like to borrow for?
      • A home
        • Great, what are you more interested in?
          • I’d like to buy a home, or refinance my current loan.
            • Sounds great. We offer Mortgage Loans at great prices, as well as refinancing options.
          • I want to make some environmentally friendly home improvements.
            • Let’s get started making our community greener. We offer no-collateral Home Improvement loans just for that. We think you’ll love our rates.
          • I’m more interested in using the value in my home to get a loan.
            • Sounds good. Would you prefer a lump sum of cash for your loan, or more flexible spending?
              • Lump sum
                • Sounds like you are looking for a Home Equity Loan. It’s a great way to secure a lower rate, and you can use the money on any expense.
              • Flexible spending
      • A car
      • Something fun
        • What are you interested in?
          • Boat
            • Awesome! Let us help you get on the water. We offer low rates and long terms to make your Boat Loan payments affordable.
          • Personal Watercraft
          • Motorcycle or ATV
            • You’re one step closer to hitting the open road or trail. We have the right financing on Motorcycle and ATV Loans to make it happen.
          • Motorhome, Campervan or Travel Trailer
      • Something else
        • Okay. Business or personal?
          • Business
            • Sounds great! We offer a wide range of Business Loans, including loans for vehicles, equipment and real estate.
          • Personal
            • Terrific! We offer Personal Loans for any need, including weddings, vacations and debt consolidation.
      • I’m mostly interested in a credit card
    • What would you like help with?
      • Accessing my accounts
        • Okay, how would you like to access your accounts?
          • Online
            • Ok! If this is your first time using Online Banking?
              • Yes
                • Okay! To enroll, call us during normal business hours at 314.962.6363 (or 618.239.6363 for Illinois members; 1.800.719.6363 if you are outside of the St. Louis area) and press option 6, then 2.
              • No
                • Great. To access your account, simply click “Login” in the upper right hand corner of the page.
          • On my mobile device
      • Opening a checking account
        • Great! What do you care most about in a checking account?
          • Earning interest
            • Okay! Both our Advantage Plus Checking and Value Checking accounts earn interest. Advantage Plus earns higher interest than Value Checking. With Value Checking, there’s no monthly fee if you maintain an average daily balance of $500 or more.
          • Having no fees
          • Getting free checks
      • Signing up for eStatements
        • Cool! If you are already signed up for and using our online banking service, all you need to do is click on the eStatements tab within online banking and accept the disclosure that appears.
      • Getting insurance
      • Reporting a lost or stolen card
        • We’re sorry to hear that. Is this during or after business hours?
          • During
            • Please call us at 314.962.6363 or 618.239.6363, and press option 6, then 1.
          • After
            • If it’s your debit card, please call 1.888.918.774. If it’s your credit card, please call 1.866.820.3035.
      • Taking control of your debit/credit card
      • Sending money to family and friends
    • What would you like to save for?
      • An upcoming holiday or vacation
        • Sounds lovely! We have both Christmas Club and Vacation Club accounts available to our members. Check out our Savings page and scroll down for more info.
      • Retirement
      • College
        • Meet with our financial advisor to learn about the different options available for funding a college education, including the Coverdell Educational Savings Account and the 529 College Savings Plan.
      • Something else – and I’d like to earn a good interest rate
        • Do you have some money saved up already?
          • Yes, quite a bit
            • Nice! Are you okay with leaving your money untouched for a while?
              • Sure
                • Cool! We think you might like one of our CDs. You agree to leave your money untouched for a while in exchange for a higher interest rate.
              • I’d prefer to make withdrawals when I need to.
                • Sounds good. Check out our Money Market account. It’s a little more flexible, but still gets you a higher rate.
          • Not much
            • No worries. Once you open a Savings account, you can open secondary accounts for whatever you need, including college, rainy day funds and more.
      • I’d prefer just a basic savings account
        • Ok! Our Savings account sounds just right for you. It also secures your Arsenal membership.
      • I want to make saving automatic
        • We can help. Enroll in our Spend to Save program to have your debit card transactions rounded up to the nearest dollar, with the change deposited to your savings account. You can also set up a payroll deduction to have a part of your paycheck deposited directly into savings each pay period.

    Small Business Loans in St. Louis

    "I have always been treated with kindness and respect whenever I have done business with anyone at Arsenal Credit Union. I feel that my business is appreciated."

    Portrait of young white woman in a busy modern workplace Rebecca F.

    • Flexible

      Loans tailored to the needs of your business

    • Free

      No application fee

    • Apply Online!

    The loan you want from a partner you trust

    No matter what stage your business is in, we offer competitively priced loans to cover almost any business need, including purchases and refinances.

    What makes us a great business partner for deserving entrepreneurs? Excellent rates and a proven track-record of stellar service. As a business based in the St. Louis area, we understand the needs of members of the community.

    We offer a variety of small business loans

    We’re here to help your small business succeed with loans including, but not limited to:

    • Residential investment property
    • Commercial real estate
    • Construction
    • Truck and business vehicles
    • Equipment
    • Revolving lines of credit for inventory purchases and other everyday operational expenses
    • Visa credit cards
    1. 1

      Best in Value in St. Louis

      In 2019 we were among 25 local businesses recognized for offering the “Best in Value” and helping people “get the most out of their money” by the St. Louis Small Business Monthly.

    2. 2

      Experienced professionals

      Our team has the knowledge and skills to help your small business with providing affordable capital. We offer loans plus a variety of deposit accounts.

    3. 3

      Competitive rates

      We offer competitively priced loans for business vehicles, equipment, inventory, operational expenses, real estate, construction and more.

    Start your business loan

    Complete your business loan with our easy-to-use online application.

    Apply Online!

    FAQs

    We will need several items:
    • Previous 2-3 FYE business financial statements (Balance Sheet & Income Statement)
    • Previous 2-3 years' business tax returns
    • Current interim business financial statements
    • Current Personal Financial Statement from applicant and all guarantors
    • Previous 2 years' personal tax returns
    • Lease and rent roll for income-producing real estate
    • Business plan (if a new business)
    • Completed Member Business Loan Information Form
    Complete your business loan with our easy-to-use online application. You can also email our business lending department with any questions.
    If you need any help or have any questions about a small business loan, contact either of our AVP business lenders, Jennifer Wright (314.919.1016 or jwright@arsenalcu.com) or Andrew Dodge (314.919.1060 or adodge@arsenalcu.com).
    In addition to loans, we can also help our business members with:
    • Free online banking
    • Free online bill pay
    • Checking accounts
    • Visa debit card
    • Wire transfers
    • Stop payments
    • Safe deposit boxes
    • Night depository drop boxes
    The only place to get a truly free credit report is AnnualCreditReport.com. You can receive one from each credit-reporting bureau – TransUnion, Equifax and Experian – every year. It's best to stagger your three reports throughout the year. For example, get your TransUnion report in January, Equifax in May and Experian in September.

    Still have questions?

    Ask a question right now.

    Ask a Question
    We support small business Over the past two years (2020-21), we funded a total of $9.1 million in Payment Protecti... Read

    Start your business loan

    Apply Online!