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Term Loans

Helping Your Business Grow

Whether your business is looking to expand, renovate or acquire, NCB has the industry experience and loan solutions to meet your business needs. NCB provides loans to serve the needs of cooperative and small business operators, independent retailers, and cooperative and condominium professional units.

view of city market co-op from street

Term Loans

NCB offers term loans up to 10 years to meet the needs of your business. Loans can be used to refinance debt, real estate purchase, store remodel or expansion or the purchase of furniture, fixtures and equipment.


Fixed rate: tied to United States Treasury rates plus a market spread.

Lines of Credit

NCB offers revolving and non-revolving lines of credit. Lines of credit allow you to borrow as much as you need up to your limit while only paying interest on the amount you have used.


Variable rate: Wall Street Journal Prime Rate of Interest adjusted monthly or quarterly

We Serve the Basic Ingredients of Sustainable Communities

  • Alaska & Native

    Banking Solutions for Alaska Business and Native Corporations

  • Co-op Housing & HOA

    Banking Solutions for Housing Communities and Property Management Companies

  • Credit Unions

    Cooperative solutions for Credit Unions, Leagues and CUSOs

  • Energy

    Providing innovative renewable energy financing programs

  • Food

    Banking solutions for food co-ops and independent grocery retailers

  • Health Care

    Banking solutions for Senior Living, Aging services and Health Care

  • Non-Profit

    Banking solutions for non-profits and socially responsible organizations

  • Small Business

    Banking solutions for independent retailers, purchasing co-ops and worker-owned co-ops.

co op housing with solar panels

Customer Success Stories

Bringing ‘a few cool hardware stores’ back to Main Street
Bringing ‘a few cool hardware stores’ back to Main Street
NCB helps an entrepreneurial couple open several ACE Hardware stores in the Washington, D.C. area.
The Hub Bike Co-op
The Hub Bike Co-op
A Bigger, Better Hub for Bike Lovers
An Ohio dairy farm is banking on the sun
An Ohio dairy farm is banking on the sun
NCB helps an Ohio dairy take advantage of government programs to install solar power.

Interested in a loan for your business?

Speak to a commercial banking specialist


NCB Mission Report
NCB Mission Report
National Senior Awareness Day
Latest Post
National Senior Awareness Day
May 15 is NCB is National Senior Awareness Day and NCB is joining the national effort to protect seniors from becoming victims of fraud and ...