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Vision One CU

Vision One CU offers comprehensive SBA lending services tailored to meet the needs of small businesses seeking financial support for growth and expansion. Their loan programs include the SBA 7(a) loan, which provides flexible financing options for a variety of business purposes, including working capital, equipment purchase, and real estate acquisition. With a focus on personalized service, they assist clients through every step of the application process, ensuring a smooth experience. Located in Sacramento, CA, they serve local businesses as well as clients across the region, leveraging their expertise to help entrepreneurs succeed. Their team is dedicated to providing quick access to capital, competitive rates, and flexible terms, making them a reliable partner for small business owners looking to grow. Whether you need a small microloan or a larger SBA 7(a) loan, they are equipped to support your business goals with tailored financing solutions. Their commitment to community and small business development is reflected in their extensive support for local entrepreneurs, helping to foster economic growth in the Sacramento area and beyond.

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Lender Type

Commercial Bank

Google Rating

3.8

Google Review Count

Question 1

What is this place and what can I find here?

Answer 1

This is a trusted SBA lender offering small business loans, including SBA 7(a) financing, to support business growth and expansion. You can find personalized assistance, loan options, and guidance through the application process to help achieve your business goals.

Question 2

Do I need an appointment or can I walk in?

Answer 2

It is recommended to schedule an appointment to ensure dedicated time with a loan specialist, but walk-ins may be accommodated depending on availability. Calling ahead can help streamline your visit.

Question 3

What are the hours of operation?

Answer 3

Typically, the branch operates Monday through Friday from 9:00 AM to 5:00 PM. It is advisable to contact the branch directly for specific hours or to schedule an appointment outside regular hours.

Question 4

Is there a fee to use this?

Answer 4

There are no fees to visit or inquire; however, loan application fees and closing costs may apply depending on the loan type and amount. These are discussed during the loan process.

Question 5

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

Answer 5

This lender primarily serves small business owners in the Sacramento area and surrounding regions. Eligibility is based on business criteria and creditworthiness, not residency alone.

Question 6

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

Answer 6

A minimum personal credit score of approximately 640 is generally preferred, though 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 completeness of your application and the complexity of your loan request.

Vision One CU

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