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Union Bank and Trust Company

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Description

Specializing in small business financing, this bank offers a variety of SBA loan programs designed to support entrepreneurs and business owners. Whether you’re seeking funding for expansion, equipment purchase, or working capital, they provide tailored solutions to meet your needs. Their experienced team guides clients through the application process, ensuring smooth approval and funding. With a focus on community development and small business growth, they serve a diverse range of industries, emphasizing personalized service and flexible lending options. The bank’s SBA offerings include the popular 7(a) loan program, which provides competitive terms and accessible financing for qualifying businesses. They also support other SBA initiatives aimed at fostering economic development and entrepreneurship. Located conveniently in Lincoln, NE, they are committed to helping local businesses thrive and succeed in a competitive marketplace.

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Q&A

Lender Type
Commercial Bank
Google Rating
3.8
Google Review Count
23
Question 1
What is this place and what can I find here?
Answer 1
This is a bank that specializes in SBA loans and small business financing. You can find support for business expansion, equipment purchase, and working capital needs, along with expert guidance through the application process.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It"s recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins may be accommodated depending on availability.
Question 3
What are the hours of operation?
Answer 3
The bank typically operates from 9 am to 5 pm, Monday through Friday, but it"s best to check directly for specific hours or appointment availability.
Question 4
Is there a fee to use this?
Answer 4
There are no fees for simply consulting or applying; however, standard loan fees and closing costs may apply if you proceed with financing.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves small business owners and entrepreneurs in the Lincoln area, but eligibility depends on meeting SBA and lending criteria.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of around 640 is generally preferred, but higher scores improve approval chances.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process typically takes 2 to 4 weeks, depending on the complexity of the loan and completeness of documentation.
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