Biz Lending & Insurance Center, Inc. (BLIC) is all about helping your credit union find, review, and close more quality

commercial real estate and business loans.


BLIC partnered with CrossState Credit Union Association in 2017 to bring you

Member Business Lending Credit Union programs. 


Referral Credit Union (RCU)

Refer commercial business loans to a Lead Lender Credit Union in our network with no expertise required!


  • Generate non-interest income based on the amount funded
  • No portfolio risks
  • Access to new deposit opportunities
  • Opportunities for participation

What your credit union will receive after becoming an RCU:

  • Custom Online Business Loan Request Form for Members and Prospects
  • Easy pre-qualification process designed to find the right loan product for the Borrower
  • Commercial and Business Loan Processing Services
  • Dedicated Line to a Business Loan Specialist
  • Click here to learn more about the RCU program


Lead Lender Credit Union (LCU)

Solution for credit unions that would like to accept referred loans from outside their own program. 

As a Lead Lender you are responsible for completing the underwriting process and closing the business/commercial loan.


  • An alternative origination source for loan volume
  • Earn fee revenue through origination and servicing fees
  • LCU maintains control of the underwriting and funding decisions
  • Option to use current processes and servicing sources or use services
  • Option to portfolio the full loan or sell a portion to participating credit union
  • Click here to learn more about the LCU program


Participation Credit Union (PCU)

A solution for credit unions that would like to buy or sell commercial real estate, auto, mortgage, and other types of loans.


  • Participation is a win-win for all parties – you never have to turn a member away by supporting all their lending needs
  • Referring credit unions add loans to their books
  • Lead Lender earns points and servicing revenue

Let’s talk about the credit union’s goals for adding loans, redistributing loan exposure, or lightening up the credit union’s portfolio.

To contact us please click here.