SAN FRANCISCO — As credit unions work to offer their members more small business loans and services, Visa USA has been steadily making its way into the small business market, offering credit unions the tools that Visa says they will need to meet their members' small business needs.

Those tools–the Visa Business Credit Card, Visa Business Check or Debit Card and the Visa Business Line of Credit Card–are familiar to credit union executives who have been exploring how to bring their members more business services. What may be less familiar are the efforts Visa has been making to help its card products continue to catch on with small business users.

"What we are talking about, really, is a change of culture," explained Raghav Lal, senior vice president with Visa. "Sometimes small business owners will keep paying with checks just because that is the way they have always done it. But gradually, very gradually, we are breaking in."