FARMERS BRANCH, Texas (4/16/10)--Quentin and Melissa Gallagher, owners of Mesquite Oilfield Services in Monahans, Texas, and members of Ward County Teachers CU, Monahans, needed capital to expand their small business, so they turned to their credit union. With the help of the $11-million-asset credit union, the Gallaghers purchased much-needed digging equipment and a company truck, according to a letter they sent to their national legislators (LoneStar Leaguer April 15). They urged their legislators to lift the cap on member business loans (MBLs). “There was never an option when it came to who we would choose to help back our business--our credit union of course. They know our business,” the Gallaghers wrote in a letter to U.S. Rep. Mike Conaway (R-Texas) and U.S. Sens. Kay Bailey Hutchison (R-Texas) and John Cornyn (R-Texas). “We are proud of the fact that we have not only survived the latest downturn in the petroleum industry, but that we have also grown our business. We realize we are small in the big picture, but when you are welcomed and your lender is interested in what you do--not if your next payment will be on time--it sure helps. “We ask that you consider the removal of the maximum amount the credit union can have in member business loans,” the letter continued. “Small business borrowing is difficult as is and tying the hands of those who want to help us just doesn’t make sense.” The Texas Credit Union League (TCUL) encouraged credit union CEOs, board members and staff who work with small business in the state to contact legislators to urge their support of S. 2919, legislation that would raise the cap on MBLs.