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# Member Business Financial Services: Member Business Financial Services

## Sitemaps
[XML Sitemap](https://mbfs.org/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [Key elements of an effective communication plan for participated member business loans](https://mbfs.org/key-elements-of-an-effective-communication-plan-for-participated-member-business-loans/): Effective communication between Originating Lenders and Participants involved in syndicated commercial real estate loans is essential for managing risk, ensuring transparency, and maintaining regulatory compliance. Credit unions engaged in participation lending must operate within the regulatory framework established by the National Credit Union Administration (NCUA), particularly under 12 CFR Part 723—Member Business Loans; Commercial Lending and 12 CFR 701.22—Loan Participations. These regulations outline the operational expectations for member business lending (MBL), including the responsibilities of Originating Lenders and Participants.
- [Business lending in uncertain times: How credit unions can balance risk and opportunity](https://mbfs.org/business-lending-in-uncertain-times-how-credit-unions-can-balance-risk-and-opportunity/): A single factor rarely drives economic uncertainty. Instead, it emerges from a combination of shifting interest rates, persistent inflationary pressures, evolving consumer behavior, and changing capital markets. According to AP News, these changes reflect broader volatility across credit markets and business confidence. For credit unions, these conditions can complicate forecasting and heighten concern around credit risk.
- [Stronger together: How CUSO partnerships unlock business lending growth](https://mbfs.org/stronger-together-how-cuso-partnerships-unlock-business-lending-growth/): Collaboration has always been the hallmark of the credit union movement. From pooling capital to serving communities overlooked by traditional banks to advocating for cooperative principles on the national stage, credit unions thrive when they work together. That same cooperative spirit is driving one of the most important growth frontiers today: business lending.
- [A Business Case for BB-360® – Volume II](https://mbfs.org/a-business-case-for-bb-360-volume-ii/): Recent data from the OCC as well as bankrate.com indicates that 43% of small-to-medium sized businesses (SMB’s) seeking financing applied for a business line of credit, and the most common use of lines of credit is to support working capital needs. This aligns closely with findings that about 50% of SMB owners regularly rely on loans to manage cash flow and working capital needs. Additionally, both banks and credit unions offer secured and unsecured lines of credit, but many small business owners provide assets as collateral to obtain secured lines for working capital purposes. 
- [A Better Way to Support SMB Cash Flow – Introducing BB-360®](https://mbfs.org/782-2/): Within the first two years of operation, the first significant financing need a business often requires is a revolving credit line. These facilities help the business management team even out the cash flow cycles that can result from trade credit gaps; the time between paying for its own service or production cycle and payment being received from its clients. But financial institutions often struggle to efficiently deliver this important service while managing credit risk. If a financial institution can crack the code on this financing need, it will likely win a client for the entire lifecycle of the business, leading to other lending requests such as owner-occupied real estate, equipment, and more – not to mention deposit and cash management services. Here are seven of the most common inefficiencies financial institutions face when offering these revolving credit obligations.
- [Why more credit unions are embracing business lending—and how to do it right](https://mbfs.org/why-more-credit-unions-are-embracing-business-lending-and-how-to-do-it-right/): Credit unions have built their reputation on trust, accessibility, and a deep commitment to the communities they serve. Traditionally focused on consumer banking, offering services like savings accounts, car loans, and personal credit, they’ve long been a financial haven for individuals and families seeking a more personal touch than what big banks provide.
- [Credit Union Business Lending Trends: Back to Normal?](https://mbfs.org/credit-union-business-lending-trends-back-to-normal/): Making loans is easy. Managing a commercial loan portfolio is infinitely harder and more complex. This truism is the perfect starting point for a review of the credit union commercial lending market. Many of us have lived through both rock bottom interest rates and rapidly expanding portfolios, with loan delinquency rates near zero and minimal loan portfolio management being required. But things have changed, in 2025, credit unions are seeing loan volumes rebound and delinquency rates rise. Using NCUA 2025 data, we can analyze credit union commercial lending performance compared to previous years and help to predict future trends.
- [Regulatory readiness: How credit union service organizations prepare for compliance in 2025](https://mbfs.org/regulatory-readiness-how-credit-union-service-organizations-prepare-for-compliance-in-2025/): As a Credit Union Service Organization (CUSO), we operate at the nexus of innovation and regulatory diligence, empowering credit unions to serve their members more effectively—our role is both supportive and strategic.
- [How CUSOs drive innovation and growth in the credit union industry](https://mbfs.org/how-cusos-drive-innovation-and-growth-in-the-credit-union-industry/): Credit Union Service Organizations (CUSOs) are specialized entities designed to support the growth and competitiveness of credit unions by offering services they might not be able to provide independently. CUSOs are owned by one or more credit unions and operate in a collaborative spirit to develop and share resources, technologies, and expertise. They aim to drive efficiency, reduce costs, and provide innovative services to help credit unions remain competitive in an ever-evolving financial landscape.

## Pages
- [Resources2](https://mbfs.org/resources2/): Log in to MBFS’ nCino
- [Podcasts](https://mbfs.org/podcasts/): Welcome to Credit Union Conversations podcast with your host, Mark Ritter, a forward-thinking CEO, who excels in helping credit unions, small businesses, and real estate investors succeed.
- [Privacy  Policy](https://mbfs.org/privacy-policy/): Effective Date: June 5, 2025
- [MBFS Staff Contacts](https://mbfs.org/mbfs-staff-contacts/): Title: CEO
- [Are You a Business Owner](https://mbfs.org/are-you-a-business-owner/): MBFS has a network of national credit unions ready and able to assist you with your lending needs. 
- [Current Clients](https://mbfs.org/current-clients/): MBFS Corporate
- [Why your financial institution should use a CUSO](https://mbfs.org/why-your-financial-institution-should-use-a-cuso/): Read the articles below to find out Why your financial institution should use a CUSO
- [News](https://mbfs.org/news/): MBFS NEWS LINKEDIN FEED
- [Contact A Lender](https://mbfs.org/contact-a-lender/): Are You a Business Owner? MBFS has a network of national credit unions ready and able to assist you with your lending needs.Speak with one of our lenders today!
- [SBA Loans](https://mbfs.org/sba-loans/): MBFS has developed an internal team to bring the disparate functions of SBA programs into one cohesive service model, including marketing, assistance with SBA eligibility review, processing, underwriting, closing, servicing, and post-closing loan review.
- [Small Business Services for CUs](https://mbfs.org/small-business-services-for-cus/): MBFS works on-site with credit union management to develop a business loan policy that aligns with the credit union’s credit culture, strategic goals, and the NCUA regulatory guidance.
- [Launch a Business Loan Program](https://mbfs.org/launch-a-business-loan-program/): MBFS offers the following services to its client credit unions:
- [About](https://mbfs.org/about/): Formed in 2008 and headquartered in Trevose, PA, MBFS is a Credit Union Service Organization (CUSO) owned by credit unions to serve credit unions. With more than 7,000 business loans and over $3 billion in loan balances, we provide commercial lending services throughout the United States. MBFS assists credit unions within their local markets and, if they have a geo-region risk mitigation plan in place, can extend support nationwide.
- [Protected: Vault](https://mbfs.org/vault/): MBFS Corporate
- [Contact](https://mbfs.org/contact/): Email: info@mbfs.org
- [Resources](https://mbfs.org/resources/): Log in to MBFS’ nCino
- [CU Services](https://mbfs.org/cu-services/): MBFS continues to demonstrate its commitment to providing business lending expertise and services by offering its credit union partners a lower barrier to entry to member business lending. This enables credit unions to more effectively serve their members.
- [Loans](https://mbfs.org/loans/): MBFS can assist you with various types of commercial loans, including but not limited to:
- [Home](https://mbfs.org/):  MBFS is committed to providing business lending expertise and services to help credit unions effectively serve their members.

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- [Podcast Header](https://mbfs.org/wpbf_hooks/podcast-header/)
- [Password Page](https://mbfs.org/wpbf_hooks/password-page/)
- [News Header](https://mbfs.org/wpbf_hooks/news-header/)
- [Footer](https://mbfs.org/wpbf_hooks/footer/): MBFS is a Credit Union Service Organization jointly owned by American Heritage Federal Credit Union, American Spirit Federal Credit Union, Century Heritage Federal Credit Union, Clearview Federal Credit Union, West-Aircomm Federal Credit Union, Discovery Federal Credit Union, Launch Credit Union, Sun East Federal Credit Union, People First Federal Credit Union, Erie Federal Credit Union, Choice One Community Federal Credit Union, Eagle One Federal Credit Union, Service 1st Federal Credit Union, and AOD Federal Credit Union.
- [Top Bar](https://mbfs.org/wpbf_hooks/top-bar/): Welcome to Member Business Financial Services