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Technology Credit Union

Technology Credit Union offers comprehensive financial services tailored for small businesses seeking SBA loans. With a focus on supporting local entrepreneurs, this institution provides flexible lending options including SBA 7(a) loans, which can be used for various business purposes such as working capital, equipment purchase, or expansion. Their experienced team guides clients through the application process, ensuring clarity and support at every step. Located in San Jose, CA, they serve a broad range of industries, emphasizing personalized service and competitive rates. The credit union is known for its community-oriented approach and commitment to fostering small business growth. Whether you’re starting a new venture or expanding an existing one, they aim to provide accessible financing solutions to help your business succeed.

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Lender Type

Commercial Bank

Google Rating

3.3

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Question 1

What is this place and what can I find here?

Answer 1

This is a financial institution that offers SBA loans and small business banking services. You can find support for business financing, including SBA 7(a) loans, as well as personalized financial guidance tailored to small business needs.

Question 2

Do I need an appointment or can I walk in?

Answer 2

It"s recommended to schedule an appointment to ensure dedicated service, but walk-ins are also accommodated depending on availability. Contact ahead to confirm the best way to meet your needs.

Question 3

What are the hours of operation?

Answer 3

The branch typically operates during standard banking hours, from 9 AM to 5 PM, Monday through Friday. It"s best to call ahead for specific hours or to schedule an appointment.

Question 4

Is there a fee to use this?

Answer 4

There may be fees associated with certain banking services or loan applications, including application fees and closing costs. These vary depending on the specific product and service used.

Question 5

Who is this open to — anyone, or only residents/members?

Answer 5

This institution primarily serves members of the credit union, which includes residents of certain regions and small business owners within their service area.

Question 6

What minimum personal credit score does this bank look for in a guarantor?

Answer 6

A minimum personal credit score of around 650 is generally preferred, but approval depends on the overall financial profile and business viability.

Question 7

How long does the traditional underwriting process take from start to close?

Answer 7

The underwriting process typically takes between 2 to 4 weeks, depending on the complexity of the loan and completeness of application documentation.

Technology Credit Union

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