Commercial Loans

Commercial Loans

Our knowledgeable, experienced staff can provide you with options to suit your business needs. Whether you require equipment purchases, renovations, or repairs we are dedicated to our community to help new businesses or expanding businesses achieve their goals.


  • Competitive rates
  • Variable or fixed terms available
  • Life and disability insurance is available
  • Repayments are structured to meet your needs, they can be set up for weekly, bi-weekly, semi-monthly, monthly, etc.
  • All activity is recorded on your monthly statement

Please click here to use the Business Loan Calculator.

Operating Line of Credit

The operating line of credit is available for day-to-day operating expenses. With a Line of Credit enjoy immediate access to pre-approved funds whenever you want, once approved there is no need to apply every time you require extra funds.


  • Easy to apply
  • Overdraft protection up to a pre-authorized limit
  • Interest much lower than credit cards
  • If you don’t use it you don’t pay interest
  • Interest is calculated only on the negative balance in your account on a daily basis, charged monthly
  • Funds can be accessed by writing a cheque, using your MEMBER CARD® debit card, or withdrawing funds in person on the connected chequing account

Click here for the business loan calculator.


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Vanguard Credit Union is a full-service financial institution with branches in Binscarth, Birtle, Brandon, Hamiota, Kenton, Miniota, Oak Lake, Oak River, Rossburn, Russell, and St. Lazare.

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