By NewtekOne
Credit unions that want to grow business deposits and strengthen their balance sheet face a familiar challenge. Business members are looking for a complete set of solutions that supports how their business operates. Credit unions are equally focused on placing high-quality assets on their books while managing risk, compliance, and operational capacity.
This is where NewtekOne can help.
NewtekOne helps credit unions serve business members while also helping credit unions place high-quality credits onto their balance sheet. NewtekOne, through its subsidiaries, supports the full lending lifecycle, from origination credit analysis, credit memos, and documentation. Credit unions gain access to well-underwritten, high-quality credits without having to build or expand internal infrastructure.
NewtekOne, through its subsidiaries, provides business loans ranging from $5,000 to $15,000,0001, designed to support real operating needs and long-term growth. These loans are structured with long amortization periods to help keep payments manageable for borrowers. They do not include balloon payments that create refinancing risk, and they do not include standard restrictive covenants that can limit flexibility. The result is lending that supports borrower stability while producing durable, high-quality assets for the credit union’s balance sheet. For credit unions that prefer not to place a loan on their balance sheet, NewtekOne can also facilitate the financing.
In 2025, NewtekOne received thousands of referrals from credit union partners seeking help supporting their members. The objectives were consistent. Retain members. Grow and protect business deposits. Strengthen the balance sheet. Continue serving the community.
Lending is the anchor that holds a business relationship together, and it is also a primary driver of balance sheet growth. When a credit union can meet a business member’s lending needs with confidence in credit quality and structure, it strengthens the entire relationship. When it cannot, competitors step in. Large money center banks and other lenders around the corner are ready to provide capital, and when they do, they often take more than the loan. Operating accounts move. Payments activity shifts. Deposits follow.
NewtekOne helps credit unions change that outcome while also strengthening their balance sheet.
For credit union leaders focused on saving deposits, growing the book, retaining members, and expanding the balance sheet, the question is no longer whether lending plays a role. The question is whether their current model allows them to consistently deliver high-quality credits and a complete business solution without leaving gaps competitors are eager to exploit.
Connect with NewtekOne to learn more about how they are helping credit unions close those gaps.
1NewtekOne, Inc., is a financial holding company, which along with its bank and non-bank subsidiaries provides a wide range of business and financial solutions under the Newtek® brand to business owners. Loans are issued by Newtek Bank, N.A., Member FDIC, and a NewtekOne, Inc. non-bank subsidiary.
