Spectrum Business Resources Overview

Spectrum Business Resources, LLC is a Credit Union Service Organization formed by five Member Credit Unions including Abri Credit Union, HealthCare Associates Credit Union, Consumers Credit Union, NorthStar Credit Union, and NuMark Credit Union.


We Offer expertise in developing innovative loan and deposit products to fit the unique needs of small businesses and professionals. Our loan structures are flexible to coincide with our members unique needs and expectations. Our rates and fees are generally below competitors.


Built on the strength of five Chicago area Credit Unions, our focus is on the relationship with you and your business.


With the combined strength of over $1 billion in total assets, and serving well over 100,000 members nationwide, the Credit Union partners comprising Spectrum Business Resources provide your small business the solid financial backing you need to grow and succeed.


The combined assets of the 5 Credit Union members that created Spectrum Business Resources is over $1 billion. We have a lending limit of over $5 million to a single member. We are located in the Chicago market, but service members nationally.


Our Credit Unions have historically been strong partners with businesses through their select employer group affiliations, supporting the business and their employees for decades.


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The Leadership Team



Daniel S. Bleil


Dan currently serves as the President and CEO of Spectrum Business Resources, LLC, where he is responsible for all aspects of member business financial services for associate and member credit unions in the Chicago area representing over $1 billion in combined total assets. He has over 30 years of experience in commercial banking.


Ronald P. Graham

Executive Vice President Member Business Services

Ron recently joined Spectrum Business Resources as the Executive Vice President bringing over 30 years of banking experience in all aspects of financial services to the organization including commercial lending, cash management, and investment services.

We offer better rates and fees by leveraging group collaboration with partners.

Built on the strength of five Chicago area credit unions, our focus is on the relationship with you and your business.

north-logo numark-logo consumers-credit-union healthcare-logo abri-logo

Frequently Asked Questions

What is Spectrum Business Resources, LLC?

Spectrum Business Resources, LLC is a Credit Union Service Organization (“CUSO”) providing financial services to business and professionals and formed by five Member Credit Unions including Abri Credit Union (Romeoville, IL), HealthCare Associates Credit Union (Naperville, IL), Consumers Credit Union (Rolling Meadows, IL), NorthStar Credit Union (Warrenville, IL), and NuMark Credit Union (Joliet, IL).

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Want to know more about Credit Unions?

Credit Unions in the United States serve 100 million members, comprising 43.7% of the economically active population. U.S. Credit Unions are not-for-profit, cooperative, tax-exempt organizations. Total Credit Union assets in the U.S. reached $1 trillion as of March 2012. There are over 7000 independent Credit Unions in the United States.

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How does a Credit Union differ from a bank?


Banks are businesses operating to maximize the value of their stock.


Credit Unions

Credit Unions operate as Not-For-Profit entities. All income earned is either retained or distributed to Members (depositors).

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So How Do I Get a Commercial Loan?

The most important factor in securing financing is the ability to provide a compelling argument that the business has the resources to repay the loan. Financial institutions will use depositors’ money to fund loans. Accordingly, they have a fiduciary responsibility, enforced by their federal regulators, to demonstrate sound lending practices and the ability to assure that the depositors’ money will be protected against loss.

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What information will be needed to process my loan request?

Ownership will be asked to provide confirmation of the loan purpose, supporting background on the business and ownership, collateral details, and other supporting documents that help the Lender understand and underwrite the loan.

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What is the Loan Process?

  • Supporting information is requested and analyzed by an experienced Lender.
  • A formal loan presentation is made to a committee  (5-10 days from receipt of all financial information)
  • Committee approves, denies, or modifies the loan request (2 days)

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What Types of Commercial Loans are Available?

  • Refinancing existing debt with another Bank or Seller at better terms
  • Working capital loans – secured and unsecured
  • Practice acquisition or partner buy-out financing

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What are the advantages of working with Spectrum Business Resources and the affiliated Credit Unions?

Your Credit Union Lender is a Not for Profit business that is not distracted by the need to maximize the market value of a traded or sold ownership interest in the Lending Institution. Instead, your Credit Union Lender is focused you and your business whom they depend upon to maintain their own business, through services they provide at favorable terms not designed to maximize their profits, but to maintain a sound relationship with their members.

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