GUEST Tammy Baker

In today’s episode of Credit Union Conversation, host Mark Ritter talks with Small Business Lender, Tammy Baker, of Nu Direction Lending. Tammy and Mark start the show by reviewing the new cap rules for credit union business lending. They also talk about best practices in participation lending, small business loans, and Tammy gives an overview of lending with Nu Direction Lending. 


  • [01:30] Tammy’s background in banking and working with Mark
  • [03:30] Mark discusses cap regulation rules for credit union business lending
  • [10:00] Best practices for processing a potential original loan
  • [16:00] Mark and Tammy discuss Small Business Loans
  • [25:00] Tammy shares a success story for a borrower she’s worked with


  • Technology can make the lending process easier.
  • Building relationships and trust is key to working with your borrowers.
  • Credit Unions should foster a relationship with their community members so they know they can use them for more than just real estate loans, but also car and small business loans.


Partner with MBFS or Nu Direction Lending

Are you a small business owner or real estate investor looking for financing?


Tammy Baker leads Nu Direction Lending which provides small business loans nationwide through our credit union partners. Previous to joining Nu Direction Lending, Tammy led the participation and servicing program for a large credit union.

Mark Ritter is the CEO of MBFS and an expert in credit unions and business lending. His primary role at MBFS is overseeing the strategy of helping credit unions assist members with business needs and consulting with credit unions on planning the delivery of services to their membership.

Mark Ritter Website

Mark Ritter on LinkedIn


“There are some people who look at it as an investment as just a transaction, but it’s really a sales and relationship program and process, just like it is when making an originating loans, it’s not just simply an order taker.”

Mark Ritter

“It just goes back to building those partnerships with those other credit union folks. And I think it just comes down to trust. Do they like you as a person and do they trust what you’re saying and what you’re supplying to them?”

Tammy Baker