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Land of Lincoln Credit Union

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Description

Offering a range of financial services tailored to small businesses and members, this institution provides SBA loan options to support business growth and development. With a focus on community banking, it offers personalized service and flexible lending solutions designed to meet the unique needs of local entrepreneurs. The institution specializes in SBA 7(a) loans, which can be used for various purposes including working capital, equipment purchase, and real estate acquisition. Its experienced lending team works closely with clients to navigate the application process and secure funding efficiently. The bank maintains a strong commitment to supporting small business success through competitive rates and dedicated support. Whether you’re seeking a loan for expansion or startup capital, this lender offers accessible financing options to help your business thrive in the Decatur area and beyond.

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Q&A

Lender Type
Commercial Bank
Google Rating
3.3
Google Review Count
55
Question 1
What is this place and what can I find here?
Answer 1
This is a community-focused financial institution offering SBA loans and banking services tailored for small businesses and members in the Decatur area.
Question 2
Do I need an appointment or can I walk in?
Answer 2
You can walk in during business hours or schedule an appointment for personalized service with a lending specialist.
Question 3
What are the hours of operation?
Answer 3
The branch is open Monday through Friday from 9 am to 5 pm, with additional hours by appointment.
Question 4
Is there a fee to use this?
Answer 4
There are no fees to access basic banking services; fees may apply for certain loan processing or account services.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
Membership is open to residents and small business owners within the community, with services tailored to members and non-members alike.
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 for guarantors.
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 application and completeness of documentation.
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