Log In Here Need an Account? Click Here


Business Lending

Sierra Pacific's low-rate loans can get your business to where it needs to be. We offer everthing from business lines of credit to commercial real estate loans. We keep our rates and fees low, our quality of sevice high, and always put our members first. Take a look at our business loan products and see what Sierra Pacific can do for your business.

Don't see what you're looking for? Many of our products are designed around specific member requests. Give us a call, let's talk about it!

Contact our Director of Lending to find out more or apply for a business loan

Megan Mathias


Business Lines of Credit

Borrow what you need, when you need it.

A Business Line of Credit can help you manage a monthly shortage, take advantage of supplier discounts and sudden opportunities, capitalize on seasonal highs and cover seasonal lows, and avoid high-interest credit card debt. A line of credit is your back-up plan, your insurance policy, your peace of mind. Be ready for the unexpected ups and downs that come with running a business.

Sierra Pacific offers lines of credit up to $100,000

Ready for your Business Line of Credit? Contact Megan Mathias, our Director of Lending, at 775.834.4319


Commercial Real Estate Lending

Sierra Pacific offers Commercial Real Estate Loans for purchasing or refinancing anything from small offices to apartment complexes. We originate, underwrite, develop, and service your commercial loan in-house to keep the process simple for you. We keep rates and fees low to help you save money. We work with you to make sure you get the loan you need.

Contact our Director of Lending, Megan Mathias, at 775.834.4319 to get started.

What we'll need: 

-  A current financial statement

-  Minimum two years of tax returns including K-1s on each borrower/guarantor

- Information on the property, which will be disclosed during the loan process as needed


Construction-to-Term Loans

Does your business need a new home? Sierra Pacific's Construction-to-Term Loan Program is here to help.

Typical Terms: 

12-18 months interest only

Roll-to-term upon completion of construction

Fixed-rate terms up to 15 years.


SBA Loans

Small Business Administration (SBA) Real Estate Loans can help your small business thrive. Sierra Pacific's SBA 504 loan program can help your qualified business obtain financing for purchases, refinances, and even construcion-to-term.

We'll finance up to 90% combined loan to value

Minimum 51% Owner-Occupied


Equipment and Commercial Vehice Loans

Give your business a boost with Sierra Pacific's equipment and commercial vehicle loans. Whether your company needs a delivery van, a bucket truck, an embroidery machine, or anything in between, give us a call today.



Business Credit Cards

When your business needs a little extra, turn to your Sierra Pacific Visa Credit Card. With low, flexible rates and worldwide access our credit cards are always there to help out.

- NO annual fee, cash advance fee, or balance transfer fees

- Rates as low as 8.49%*

- Credit limits up to $10,000

- Revolving line of credit can be used at any time, anywhere Visa is accepted

- Get 1% interest for 6 months when you transfer your existing credit card to us!

*Interest rate and credit limit are based on credit worthiness

Apply Online Here

Download PDF Application

Product Finder