Business Loans and Lines of Credit

Gesa is here to help you reach your business and financial goals. Whether you’re starting your business, or expanding to meet growing customer needs, Gesa has a loan or line of credit ready to help. With competitive interest rates, local hometown decision-making, and backed by experienced and local commercial lenders. Gesa has your best interests in mind.

Lines of Credit

Lines of Credit

Gesa understands that cash flow is essential for your business. With a Line of Credit from Gesa, we can help your business, so that you can take advantage of purchases or other business needs conveniently.

  • Lines of credit ranging from $10,000 and up
  • Secured or Unsecured - Receivables or Inventory
  • Experienced local lenders - Fast local decisions

Apply for a Line of Credit today by contacting a Commercial Services Loan Officer or Small Business Development Officer.

Business Visa Card

Business Visa® Card

Tailored for a moderate level of account flexibility, convenience, and security for business owners.

The Gesa Business Visa® credit card offers flexibility, convenience, and security for business owners. With your Business Visa® credit card, it's easy to keep business and personal finances separate.

  • Low rates
  • Instant purchasing power
  • Member service available 24/7

Apply for a Gesa Business Visa® by downloading an application or by contacting a Small Business Development Officer.

Notes and Fees

APR = Annual percentage rate. Variable rates, terms and fees subject to change without notice. The interest rate margin is as low as 2.99% over the Prime Rate as published in the Wall Street Journal.

Commercial Term Loans

Commercial Term Loans

Looking for cash for equipment, machinery, vehicles, or other fixed assets? A Gesa Commercial Term Loan can help you grow your business with term loans for larger, long-term expenditures.

  • Fixed or variable interest rates
  • Convenient automatic payment options
  • Experienced local lenders - Fast local decisions

Apply for a Commercial Term Loan today by contacting a Commercial Loan Officer at (888) 946-4372.

Small Business Administration (SBA) Loans

Small Business Administration (SBA) Loans

Gesa is ready to help you achieve your goals. As a Preferred Small Business Administration (SBA) Lender, Gesa can approve SBA loans faster and get funds into your hands sooner. This means you can take your start-up or growing business to the next level.

  • We offer SBA 7(a), SBA Cap Lines, Express, and 504 Loan Programs
  • Any applicable fees may be financed directly into the loan
  • Experienced local lenders - Fast local decisions

Resource: U.S. Small Business Administration website.

Apply for a Small Business Administration Loan today by contacting a Small Business Development Officer at (888) 946-4372.

Agricultural Lines of Credit

Agricultural Lines of Credit

At Gesa Credit Union, we realize the value of agriculture as a vital part of our local community and the heart of our nation's existence. Our agricultural lending experts are here to make sure that you receive the right type of financing whether it is for farm equipment, crops, or to buy or expand an existing operation. We want to help you and our communities grow.

We have a variety of financing options available. Please call (888) 946-4372 to speak with a lending expert, and learn how we can help you.

Line of Credit

Whether you are a full-time or weekend farmer, we can provide the funds you need for production expenses conveniently and efficiently.

  • Competitive Interest Rates
  • Quick Access to Funds
  • Revolving funds save you money

Term Loans

Is it time to invest in new machinery for your farm operation? A term loan may be an option that is right for you.

  • Terms are based on expected use of the equipment
  • Repayment plans fit in with your cashl fow stream
  • Competitive fixed or variable interest rates

AG-Business Loans

Is your agricultural business expanding? Do you need help in handling daily cash flow of your business?

Business loans are made to an individual or legal entity engaged in farm related services for structures, equipment, and working capital.

Deposit accounts to help you with accounts payable and streamlining costs.

Gesa Loan Officers

VP of Commercial Services

Ben Rutledge
Ben Rutledge

Columbia Basin Lending Team

Al Thiemens
Al Thiemens
Michelle Potts
Jeremy Wiersma
Jeremy Wiersma
Brad Wright
Brad Wright
Chris Keenan
Chris Keenan
Mahaneh Guerra
Mahaneh Guerra

Spokane/CDA Lending Team

Rick Fisher
Rick Fisher
Greg Partch
Greg Partch
Scott Bleeker
Scott Bleeker

Small Business Development Officers

Nicki Torres
Nikki Torres
Marisol Gonzalez
Lindsey Conroy
Lindsey Conroy