Business
Business Solutions
Personalized small business banking and commercial banking solutions across the Merrimack Valley and Southern New Hampshire.
Let’s Build Something Special Together
At Jeanne D’Arc Credit Union, we know running a small business is a labor of love. That’s why we’re committed to helping local entrepreneurs and growing companies succeed with the right tools, guidance, and business banking services—from everyday accounts to flexible lending.
Whether you’re just starting out, scaling up, or planning your next expansion, you can count on expert local support and a full suite of business financial services designed around your goals.
Business Loans
Cash flow is the lifeblood of any business. Our commercial banking and lending solutions offer affordable, sustainable funding for every stage of growth.
We offer a full range of credit options, including:
- Business Lines of Credit
- Term Loans
- SBA Loans
- Overdraft Lines of Credit
- Business Vehicle Loans
- Commercial Real Estate Mortgages
Let us help you find the right financing mix for your business. With Jeanne D’Arc, you can expect flexible terms, personalized service, and competitive rates in Massachusetts and New Hampshire.
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Business Credit Cards
Get the flexibility you need to manage day-to-day expenses, plus business-only perks. Our VISA® Business Rewards Credit Card offers:
- Low rates
- No fees
- Generous UChoose Rewards
- Additional cards for trusted associates
- Commercial-grade VISA® security
Running a small business can be unpredictable. Having the right credit card can help you stay ready for what’s next.
Learn MoreBusiness Checking Accounts
Choose from secure, robust checking options designed for businesses at every stage—from Community Checking for early-growth organizations to Build, Buildstrong, and Money Market Demand accounts for established operations.
All Jeanne D’Arc credit union business accounts include:
- Anytime, anywhere online and mobile banking
- Member perks
- Free VISA® Debit Card
- Optional overdraft line of credit
Take your day-to-day financial management to the next level with a Jeanne D’Arc business checking account.
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Business Savings Accounts
Build liquidity while keeping your funds working for you. We offer two business savings options:
- Business Savings for easy access to your funds
- Business Certificates of Deposit for higher dividends when you invest for a fixed term
With a Jeanne D’Arc Business Savings Account, you get:
- Anytime, anywhere online and mobile banking
- ACH credits (including direct deposit) up to one (1) business day early
- Funds fully insured by the NCUA
Invest in your business’s future with a savings option tailored to your needs.
Learn MoreSimplified Employee Pension (SEP) IRAs
Give your employees the retirement security they deserve. Simplified Employee Pension (SEP) IRAs offer a flexible, powerful retirement option for small businesses.
A SEP IRA follows the same investment, distribution, and rollover rules as a traditional IRA, but may offer advantages such as:
- Simpler administration than many retirement plans
- Higher contribution limits than traditional IRAs
- Flexibility to adjust contributions year to year
Ready to add SEP IRAs to your benefits offering? Contact our retirement plans team or learn more below.
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Business Services & Resources
Get the guidance and operational support you need to help your business thrive. Jeanne D’Arc Credit Union has partnered with Heartland Payment Systems to offer merchant services, including:
- Payment processing services
- Point-of-sale solutions
- Remote deposit services
- Payroll services
- Gift and loyalty card programs
We also help connect local businesses to resources for planning, launching, and growing—such as the SBA, Greater Merrimack Valley Chamber of Commerce, Greater Lowell Chamber of Commerce, and other local support organizations.
Learn MoreSee how local businesses thrive with Jeanne D'Arc Credit Union
Still deciding whether Jeanne D’Arc is the right partner for your business? Hear from local small business owners about how membership supports their growth.
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Matthew Perimian – Agent Investor, Candor Realty -
Sitha Chau – Business Owner, Divine Lash Bar -
Harry Gorman – Business Owner, Owens & Ollies
Why Choose Us For Your Business Banking?
At Jeanne D’Arc Credit Union, we support local businesses across Massachusetts and New Hampshire with personalized service and a member-first approach. Whether you’re a startup, family-owned shop, or growing company, our small business banking solutions support day-to-day operations and long-term growth.
- Local expertise: Proudly serving businesses in Lowell, Chelmsford, Dracut, Nashua, Tyngsboro, Methuen, Westford, and beyond
- Flexible solutions: From loans and lines of credit to checking and savings options
- Community focus: Your membership helps strengthen the communities we serve
- Personalized service: A dedicated Small Business Team that works with you one-on-one
- Member-owned advantage: Better value through competitive rates and fewer fees
Discover how Jeanne D’Arc can support your business—today and as you grow.
Contact Our Business Team
FAQ about Small Business Banking
Jeanne D’Arc Credit Union offers a full range of business banking services for small businesses throughout the Merrimack Valley. This includes three business checking options designed for different stages of growth, Business Savings, and Business Certificates of Deposit.
We also offer business loans and lines of credit (including SBA loans), business credit cards, merchant services, and connections to local organizations that help small businesses thrive.
Start with a conversation. As a cooperative financial institution, we’re invested in the long-term success of our business members. Our dedicated Small Business Team will learn about your needs and recommend the right mix of accounts and lending solutions to support sustainable growth.
To open a credit union business account or apply for a business loan, you’ll need to become a business member. Membership is available to organizations that primarily operate in Jeanne D’Arc’s service area, including:
- Massachusetts counties of Middlesex or Essex
- Cities/towns: Fitchburg, Leominster, Harvard, Lunenburg, or Lancaster
- New Hampshire counties of Hillsborough or Rockingham
You can access Jeanne D’Arc’s commercial banking and business services by becoming a business member. Contact our Small Business Team at (978) 323-3242 or (978) 703-7982. Terms and conditions may apply.
Yes. In addition to business accounts, lending, and merchant services, we can connect entrepreneurs with local and national organizations focused on business planning and growth, including the SBA, local chambers of commerce, and other regional support groups.
Yes. You can manage your business accounts digitally through our secure online and mobile banking services, including deposits, transfers, and account management.
Get Started with Jeanne D’Arc Business Banking
Our dedicated Small Business Team is here to help businesses across the greater Merrimack Valley and Southern New Hampshire find the right solutions for their banking, lending, and financial needs.
Get personalized support and access to business financial services designed for your success.