Commercial Loans

Flexible funding built for real business goals.

Every business deserves financing that feels clear, flexible, and built around real needs. At Vibe, you get competitive rates, local expertise, and lending tools that help you stay ready for opportunities as they come.

Business lending made simple.

Vibe offers straightforward business lending designed to help you grow with confidence. From managing cash flow to investing in equipment or finding the right space, our local lending team is here to support your goals with flexible options and simple guidance.

  • Competitive rates designed to support your business goals

  • Local lending decisions made by people who understand Michigan businesses

  • Flexible options for cash flow, purchases, or long-term growth

  • Simple guidance from a dedicated lending team

  • Straightforward terms that keep your financing easy to manage

  • Support that grows with your business over time

 
$500 Application Fee charged at loan closing, may be financed. Personal Guaranty of all business owners required.

Business Line of Credit

Access funds when you need them with a secured line of credit designed to support cash flow, expenses, and new opportunities.

  • Credit limits from $10,000 to $350,000

  • Funds replenished as principal is paid down

  • 12-month terms with a variable rate

  • Monthly interest-only payments with a $20 minimum

  • Principal repaid as your business allows

  • Payment due on the 25th

Commercial Auto Loans

Finance vehicles your business depends on with a Vibe Auto Loan.  Enjoy simple terms and competitive rates for new, used, or refinanced autos purchased through a dealership.

  • Finance up to 90 percent of the purchase price

  • Terms up to 84 months

  • Fixed or variable interest rates

  • Available for new, used, or refinanced vehicles

  • Dealership purchases only

  • Insurance required

Commercial Real Estate

Whether you are purchasing, building, or expanding, our local loan officers can guide you through your Commercial Real Estate options. Connect with us to explore solutions that support your long-term growth.
 
Comprehensive Financing
  • Loans starting at $50,000
  • Financing for up to 80% for owner-occupied properties and up to 75% for real estate investment properties

Flexible Terms

  • Terms up to 5 years and amortization options up to 25 years
  • Construction loans for new builds or property investments
Tailored Lending
  • Conventional and SBA options available
  • Closing costs determined through due diligence

Your Commercial Loan Questions, Answered

We offer several options to support your business, including Business Auto Loans, Secured Business Term Loans, Unsecured Business Term Loans, and Business Lines of Credit.
Yes. Your business needs to be a Vibe member to move forward with a commercial loan.
Loan amounts vary based on the loan type and your business’s financials. We will walk through options with you and help find the right fit.
No. You can pay your commercial loan off early without a prepayment penalty.