Commercial banking for growing enterprises
Treasury management, commercial lending, and dedicated relationship managers for mid-size and large organizations. Prospera Credit Union Commercial Banking helps companies with $10M–$500M in annual revenue manage cash flow, finance growth, and operate efficiently across multiple entities and geographies.
Solutions
From day-to-day cash management to complex financing structures, our commercial team delivers integrated solutions tailored to your industry and growth stage.
Treasury management
Wire transfers, ACH origination, positive pay, lockbox services, and consolidated reporting for multi-entity organizations. Real-time balance reporting across all accounts.
Commercial lending
Term loans, lines of credit, equipment financing, and commercial real estate loans with flexible structures and competitive rates.
Corporate cards
Centralized expense management with spending controls, detailed reporting, and employee card programs. Integrate with major accounting platforms.
International services
Foreign exchange, international wire transfers, and trade finance for companies with global supply chains and customers.
Capital markets
Interest rate swaps, foreign exchange hedging, and investment services for treasury teams managing complex risk profiles.
Merchant services
Payment processing, point-of-sale solutions, and e-commerce payment gateways with competitive interchange rates.
Treasury management features
| Service | Description | Availability |
|---|---|---|
| ACH origination | Originate payroll, vendor payments, and collections | Same-day and next-day |
| Wire transfers | Domestic and international wires with approval workflows | 24/7 online initiation |
| Positive pay | Match issued checks against presented items to prevent fraud | Daily file upload |
| Remote deposit capture | Scan and deposit checks from your office | Same-day credit* |
| Zero balance accounts | Automate fund concentration across subsidiary accounts | Configurable rules |
| Consolidated reporting | Single view across all entities, accounts, and currencies | Real-time dashboard |
* Subject to eligibility and cutoff times. Contact your relationship manager for details.
Industries we serve
Healthcare
Revenue cycle management, HIPAA-compliant payment processing, and specialized lending for practices and hospital systems.
Manufacturing
Supply chain financing, equipment loans, and international trade services for domestic and global operations.
Technology
Venture debt, growth capital lines, and treasury solutions for SaaS companies managing recurring revenue.
Real estate
Construction loans, commercial mortgages, and property management operating accounts.
Nonprofit
Specialized checking, donation processing, and endowment management with reduced fees for qualifying organizations.
Government
Public sector deposit services, bond financing support, and compliance-ready reporting.
Dedicated relationship management
Every commercial client is assigned a relationship manager who understands your industry and financial goals. Your RM coordinates with specialists in lending, treasury, and international services to deliver a unified banking experience.
Commercial clients also receive a dedicated service team with direct phone and email access — no call centers, no ticket queues. When you need something, you reach someone who knows your business.
Contact our commercial banking desk: 1-800-555-2700 (Mon–Fri 7am–7pm ET) or schedule a consultation with a relationship manager in your area.
Commercial banking FAQs
What size companies do you work with?
Our commercial banking team serves companies with $10M–$500M in annual revenue. Businesses under $10M are served by our Small Business Banking team.
How do I open a commercial account?
Contact a relationship manager to discuss your needs. Commercial account opening typically requires business formation documents, EIN, and authorized signer identification.
Do you offer online banking for commercial clients?
Yes. Prospera Credit Union Commercial Online includes multi-user access with role-based permissions, dual approval workflows, and consolidated reporting.
What lending options are available?
Term loans ($500K–$25M), revolving lines of credit, equipment financing, commercial real estate, and SBA-guaranteed loans for qualifying businesses.