Supporting credit union
growth and empowerment

For over two decades, we've specialized in assisting institutions with tailored services, turnkey programs and customized solutions to meet their unique needs.

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We do the heavy lifting so you can focus on providing the excellent member service that your commercial borrowers expect from a credit union.

Built to serve credit unions

As a wholly-owned CUSO of Corporate One Federal Credit Union, Lucro has been supporting commercial loan programs nationwide since 2003. We serve credit unions ranging anywhere from $20MM to over $10B in assets. To date, we've underwritten $30B+ in commercial loans, processing over 400 loans monthly, while consistently delivering delinquency and net charge-offs rates well below the national average.

Experience a professional team

When you choose us, our team joins forces with yours, making your success our priority.

825+

years of collective experience

15+

years of average individual experience

50+

professional experts

Empowering success

Over the years, our team has been instrumental in fostering the prosperity of credit unions by maximizing the potential of one of their most lucrative business lines — commercial lending.

100+

institutions thrive with Lucro

6,000+

services completed annually

$30B+

loans underwritten

Become a member of our skilled team

Interested in joining our awesome team? Become part of our close-knit group and help credit unions thrive with us!

Join us

Thrive Together Conference – Chicago

Connecting for commercial lending success

Join us in the Windy City as we bring together the nation’s leading credit union professionals to explore new opportunities in commercial lending.

Chicago Athletic Association

September 21–23, 2026

Coming soon

Frequently Asked Questions

Yes, we provide sample policies and procedures for financial institutions starting a commercial loan program. Our staff is available to assist in every facet of a program. If you need more intensive on-site consulting, we can recommend excellent resources that have assisted many credit unions in building and executing a business plan.

Our award-winning Digital Business Lending Platform can originate loans in your market 24/7. Members or staff can use the platform to assist with the origination of loans. We also have a loan participation program that regularly places client-originated loans within our network. Lucro has a Business Development Officer on staff to help our partners source commercial loans as well as a loan participation program that regularly places client-originated loans within our network.

We are happy to provide sample policies (Commercial Business Lending, Participations, Appraisals, Classified Loans and Workouts). The sample policies are updated as regulations change and provided at no extra charge. If you would like to use a different policy we will review it and provide suggestions.

Lucro has over 25 underwriters analyzing loans for our partners. Experience ranges from 5-30 years with varied backgrounds from commercial bank management to bank examiner. We will assign the right skill set to your loan request based on dollar exposure and credit risk. Very few CUSO’s can match the breadth and depth of our staff. Learn more about our underwriting services here.

Our documentation area has seven specialists that prepare commercial loan documents compliant in all 50 states using Wolters Kluwer's Compliance One software. As licensed users, our clients have a $1,000,000 compliance guarantee from Wolters Kluwer. Learn more about our documentation services here.

Part of our real estate process is the bidding, ordering and review of commercial appraisals. All you need to do is give us your approved appraiser list (if you don’t have one we can help) and we take it from there. Our independence in the process ensures regulatory compliance. We also do the same for environmental reports; we will bid, order and review those as well.

Many of our clients have had the same concerns. Most find their existing systems can manage the process. If for any reason you need help, we can service your loans on our commercial loan platform.

A few of our clients have come to us with this problem. They had deficiencies in their underwriting, documentation or servicing that caused issues with a state or federal exam. We will put a plan in place to review and re-document some or all of your loans that should provide immediate relief with your regulators. Once the problems are resolved, our ongoing service should minimize issues with future exams.

Certainly, the potential exists for a large dollar problem loan if you venture into commercial lending. We are the only CUSO that publishes our delinquency statistics on our website. All loans aren't perfect but we can point to a very solid track record of Lucro partner credit unions with delinquency and charge-off numbers well below the industry average.

Have more questions?

welcome@lucro.org

(888) 627-7881

Talk to us