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Commercial Loans —


Rural Lending B&I Loan Program

Gesa Credit Union is proud to help the rural community that needs commercial funding. The USDA Business & Industry (B&I) helps provide business loans in rural areas with populations under 50,000 for owner-occupied and investment properties. USDA business loans are partially guaranteed by the USDA.

USDA Business Loan Purposes

  • Purchase or refinance commercial real estate
  • Purchase, remodel, or expand your business
  • Purchase or refinance equipment debt
Want to see if your property qualifies?
Two men, one older wearing a hat and the younger one in a cap, walking together next to large silos on a farm during the day.
A focused craftsman inspecting a piece of wood in a dusty workshop filled with woodworking tools and timber.

Benefits of USDA Lending

Want to see if USDA lending is right for you?
Reach out to our experts.

Paul Long

Paul Long | Contact
SBA Lending Manager/Team Leader

Sunwan Shon

Sunwan Shon | Contact
SBA Sales Manager

Erica Lee

Erica Lee | Contact
SBA Relationship Manager

Sunwan Shon

Sunwan Shon | Contact
SBA Sales Manager

Additional no-cost resources


The SBDC offers confidential consulting and training to help you make sound business decisions.

Washington  |  Oregon  |  Idaho

The nation’s largest network of volunteer, expert business mentors dedicated to helping small businesses.

People helping people.

Gesa credit union is committed to making a positive impact in the communities we serve.

Affinity Partner Cards

Affinity debit cards give back to your community when you swipe.

We're in the business of growing yours.

We have the accounts, products, and services to help you and your small business succeed.

Business owner

Business Visa:
A low-rate card made for business owners.

Learn More

Banking made for you.

With best-in-class rates and a variety of everyday banking products, Gesa has the right account, card, or loan for you.

Gesa customer using card

Up to 5.00% APY
On select checking accounts!

Learn More

We have upgraded to a new account opening process. Click Get Started to continue.

Getting started is easy!

Applying should only take a few minutes. Please have these documents ready:

Call (888) 946-4372 or apply at a branch

Already a member?

Use your online banking log-in to pre-fill your application with saved information.

Notes & Fees Glossary

*APY* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of the first day of the month – the last dividend declaration date.
SmartPlus Checking*To earn the higher rate, you must:
  1. Enroll in eStatements
  2. Make a monthly direct deposit of over $200
  3. Complete 15 debit card transactions
  4. Provide and maintain a valid email address
  5. Limit one account per member
For any month where the account does not meet the qualification requirements, the account will earn a lower rate. Minimum balance of $5 needed to open.Qualifying account balances meet minimum requirements. APY subject to change monthly. Rate may change after the account is opened. The qualifying period begins with the first day of the calendar month and ends on the last day of the calendar month at 6:00 P.M. Pacific Time. No monthly fees and no minimum balance required to maintain account. Minimum opening deposit of $5. Fees could reduce earnings. Limit of one specialty checking account (Smart Plus Checking) per member.

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