Breaking the Cap: Why Credit Unions Are Quietly Becoming the Small Business Lending Powerhouses

The member business lending cap is a ceiling most credit unions accept as a fact of life. But LICUs don't have one. This white paper makes the case that the Low-Income Designation is not just a community development tool. It's a commercial growth strategy. The data backs it up: LICUs hold more than twice the number of outstanding business loans as non-LICUs, and nearly twice the dollar volume. If your lending team is bumping up against the cap, this is worth a read.