Business Lending

Business and Agriculture Loans

Our Member Business Loan Department understands local businesses and farms are vital to our economy. At WCCU Credit Union, we are committed to help you start a new business or expand an existing one. We provide excellent lending and first-rate deposit products to suit your business needs. Our experienced staff are situated locally and they understand the needs of our businesses and of our farmers.

We offer a variety of Commercial and Agricultural Loans designed to meet your needs.

  • Equipment Loans
  • Real Estate Loans
  • Livestock Loans
  • Operating Expense Loans

Business and Agricultural Line-of Credit Loans

A WCCU Line-of-Credit loan will allow you to borrow only as much as you need, precisely when you need it. You may borrow up to a set amount and pay it down repeatedly, balancing your cash flow needs with this ready source of short-term funds. A Line of Credit is simple and easy to use, and is an excellent financial tool to:

  • Cover short term cash needs until accounts receivable can be collected
  • Take advantage of supplier discounts
  • Cover seasonal working capital needs

For more information about our competitive Commercial and Agricultural loan products, contact any of our WCCU offices and we will be happy to assist you.

Business and Agriculture Credit Cards

Our WCCU Credit Cards provide a flexible way to streamline purchases and help you control your expenses.  A WCCU Credit Union Business Visa or MasterCard allows you to:

  • Separate business from personal expenses
  • Issue cards to employees for purchases, travel, etc.
  • Set the spending limit on each employee’s card

WCCU Business Credit Card Account Disclosure and Agreement

For more information about our competitive lending services for Commercial and Agricultural loans, contact any of our WCCU offices and we will be happy to assist you.

WCCU Business Gold MasterCard Credit Card
(Business Credit Card Applications: Open in Acrobat Reader or other PDF viewer and save to your computer. After filling out the application, save and email to

Meet our Commercial & Ag Lending Officers

Our Commercial and Ag Business Lending Department understands you have a vision for your small business or big company, and it’s our goal to get you there. With a wide range of financing options, WCCU knows access to credit and timely financing will go a long way on your road to success. Apply for a Business Loan online or contact one of our Lenders (below) to get started today.

  • Bruce Schroeder
    Bruce Schroeder

    Sauk County
    Commercial & Agriculture Lending
    (608) 678-4000 Ext. 1502
    WCCU Lake Delton

  • Heath Kohlstedt
    Heath Kohlstedt

    Member Business Lending Manager
    (608) 647-8835 Ext. 1108
    WCCU Richland Center

  • Jim Hawthorne
    Jim Hawthorne

    Westby & Coon Valley Area
    Commercial & Agriculture Lending

    (608) 634-3118 Ext. 1688
    WCCU Westby

  • Joey Loring
    Joey Loring

    Columbia County
    Marquette County
    Commercial & Agriculture Lending
    (608) 745-1600 Ext. 5011
    WCCU Portage

  • Kim Olstad
    Kim Olstad

    Westby & Cashton Area
    Commercial & Agriculture Lending

    (608) 634-3118 Ext. 1637
    WCCU Westby

  • Kyle Nelson
    Kyle Nelson

    Richland Area
    Commercial & Agriculture Lending

    (608) 647-8835 Ext. 1205
    WCCU Richland Center

  • Mark Ladsten
    Mark Ladsten

    Sauk County
    Commercial & Agriculture Lending
    (608) 643-0006 Ext. 1016
    WCCU Prairie du Sac

  • Megan Malin
    Megan Malin

    Westby Area
    Commercial & Agriculture Lending

    (608) 634-3118 Ext. 1225
    WCCU Viroqua

  • Peter Cauley
    Peter Cauley

    Sauk County
    Commercial & Agriculture Lending
    (608) 768-9228 Ext. 1332
    WCCU Reedsburg