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Long waits are a buzzkill.
You need INtime Lending.

INtime Lending offers a decision on lending up to $150,000 for new
and existing business and agribusiness members within 48 hours1.

Business and Agribusiness Term Loans

A great way to invest in the growth of your business or farm

Our term loans offer fixed or variable interest rate options and up to a 6-year term on qualified term loans.

  • Vehicle/Semi-Truck/Trailer/Tractor/Titled collateral purchases
  • Cash out options for improvements and expansions
  • Business and farm equipment purchases
  • Livestock and inventory purchases

Business and Agribusiness Line of Credit

A great, cost-efficient way to finance your business

A line of credit (LOC) is a great, cost-efficient way to finance your business, ensuring adequate cash flow and peace of mind!

  • Up to 3-year terms available
  • Fixed and variable interest rates
  • Easily access your LOC through various ways including:
    • Online banking
    • Mobile App
    • Over the phone
    • Local Branch

Business and Agribusiness Credit Cards

We offer two credit cards that offer great rewards or a lower interest rate!

Business Rewards Plus. More rewards - awarded automatically!

Business MasterCard. Lower rate to save you money!

“Thank you from the bottom of my heart for being more than a financial institution.”
Interra Credit Union Member

How do I apply for a loan?


You can easily apply online or call/visit a local branch.


What is needed to apply?


For your application, we will need the following:

  • Purchase agreement/bill of sale
  • Copies of titles/asset
  • Proof of insurance

Additional items may be requested for review. If you do not have all the information listed, please contact your local branch to discuss your options.


Can I get a pre-approval for a loan?


Yes, you can! Whether you are looking to shop around, going to an auction, or want to see what you could possibly qualify for, contact us to see what we can do for you.


Does your program finance, secure land and real estate?


Our INtime Lending program does not offer financing or secure land and real estate as collateral in order to provide an expedited process for our other lending products. If you are interested in a Commercial Real Estate Loan please contact one of our commercial or agribusiness lenders.


Do I need cash down for my purchase/loan?


A minimum 25% cash down is required on certain commercial loans. For more information, or if cash down is not available, please contact a local branch to discuss other options.

Purchase or Lease Equipment

148-hour decision based on average application review time for qualified applicants with proper documentation needed for review. Please see FAQ for details.