Arlington Community FCU
Arlington Community FCU is an active SBA lender in Virginia, a credit union offering SBA-guaranteed small-business loans. Currently rated 4.0 stars across 149 Google reviews.
About Arlington Community FCU
Offering comprehensive SBA financing options, this community credit union specializes in supporting small businesses with tailored loan programs. Whether you're seeking funding for expansion, equipment, or working capital, they provide flexible solutions designed to meet diverse business needs. With a focus on personalized service, they assist entrepreneurs throughout the loan process, ensuring clear guidance and competitive terms. Their SBA 7(a) program is particularly well-suited for small to medium-sized enterprises looking for reliable funding sources. Located in Falls Church, VA, they serve local businesses while also accommodating a broader regional clientele. Their experienced team understands the nuances of SBA lending, helping clients navigate eligibility and application procedures efficiently. This institution emphasizes community development and economic growth, making them a trusted partner for small business owners seeking financial support.
Common questions about Arlington Community FCU
What is this place and what can I find here?
This is a community-focused financial institution offering SBA loan programs and small business banking services. You can find personalized support, competitive loan options, and guidance tailored to your business needs.
Do I need an appointment or can I walk in?
It is recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins are also accommodated depending on availability.
What are the hours of operation?
Typically, the branch operates from 9:00 AM to 5:00 PM, Monday through Friday, but it's best to call ahead for specific hours or appointment scheduling.
Is there a fee to use this?
There are no fees for simply visiting or consulting; however, loan application and processing fees may apply depending on the service.
Who is this open to — anyone, or only residents/members?
This institution primarily serves members and residents of the local community, but eligibility may extend to regional clients based on membership or affiliation.
What minimum personal credit score does this lender look for in a guarantor?
A minimum personal credit score of around 640 is generally preferred, but other factors are also considered during underwriting.
How long does the traditional underwriting process take from start to close?
The underwriting process typically takes between 2 to 4 weeks, depending on the completeness of the application and loan complexity.
Is this open on weekends?
Most credit unions keep weekday business hours and are closed on weekends, and Arlington Community FCU typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call Arlington Community FCU to confirm current weekend availability before you go.
How do I get there and where do I park?
Arlington Community FCU is located in Virginia — see the contact card for the full address. Most credit union locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.
Who owns or operates this listing?
This page is an independent directory listing for Arlington Community FCU, an SBA-participating credit union. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Arlington Community FCU itself, which runs its own lending under its own ownership. If you work at Arlington Community FCU, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Arlington Community FCU — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with Arlington Community FCU before applying. If you represent Arlington Community FCU, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach Arlington Community FCU by phone at (703) 526-0200 or online at arlingtoncu.org — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with Arlington Community FCU before relying on them.
What core industries does this lender traditionally choose to finance?
Like most SBA lenders, Arlington Community FCU can finance a broad range of small businesses — common categories include professional services, healthcare practices, restaurants and franchises, retail, light manufacturing, and commercial real estate. Each credit union sets its own industry preferences and may avoid sectors it considers higher risk. Ask Arlington Community FCU directly which industries it actively lends to before you apply.
Can I apply for an SBA Express line of credit at this lender?
Arlington Community FCU offers SBA Express loans with a 36-hour SBA response timeframe, and Export Express loans up to $500,000 with a 24-hour response. Confirm current availability with the lender.
Does this lender have Preferred Lender Provider status with the government?
SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established credit unions hold PLP status, but it varies by institution. Arlington Community FCU can confirm its current PLP standing — ask before you apply if speed matters to you.
Are start-up companies eligible for financing at this lender?
The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. Arlington Community FCU's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Arlington Community FCU directly whether it considers start-up loans.
What are the typical down payment expectations for commercial real estate acquisitions?
For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask Arlington Community FCU what down payment it expects for your specific commercial real estate purchase.
Does this lender impose prepayment penalties on short-term working capital facilities?
SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask Arlington Community FCU to spell out any prepayment penalties before you sign.
Can I use loan proceeds from this lender to buy out an existing equity partner?
SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with Arlington Community FCU to confirm it qualifies and how to document it.
Will historical personal bankruptcies automatically disqualify my loan application here?
A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. Arlington Community FCU weighs this case by case under its own policy, so be upfront about your history and ask Arlington Community FCU how it evaluates prior bankruptcies.
