If you’re going after a credit union business loan, you better know which bureau they pull—because spraying applications is how you rack up inquiries and still end up confused. In this video, I walk you through my Top 5 credit unions that (most of the time) pull Experian for massive business loans, and I’m giving you real options—term loans, lines of credit, vehicles, equipment, commercial real estate, even construction—so you can match the lender to what you actually need. I break down each pick with my score and the funding angles: Blue Federal (8/10) with a lending program handled through Centennial Lending and options up to $1M term loans and SBA up to $5M; NASA FCU (8.5/10) with working capital up to $1M and credit lines up to $2M (mostly collateralized); Andrews FCU (9/10) for unsecured business lines/signature loans up to $75K and flexible terms; Bethpage (9.5/10) for flexibility—secured and unsecured options, EIN-only style vehicle loans, and strong relationship-based limits (we’ve seen up to $500K with the right profile); and America’s Credit Union (10/10) with term loans up to $1M plus CRE and construction. Big takeaway: decide your exact loan amount and why, know what you can afford monthly, and think carefully about collateral. And I’m going to say it loud—try to avoid personal guarantees and personal assets; pledge business assets if you must. Also, don’t apply blindly: call or go to a branch, gather your docs, and shop APR, fees, and customer service like a pro.