Centra Credit Union
Description
Centra Credit Union offers a range of SBA loan programs designed to support small businesses in securing financing for growth, equipment, or working capital. With a focus on personalized service, they facilitate SBA 7(a) loans up to $70,000, helping entrepreneurs access vital funding with flexible terms. Their experienced team guides clients through the application process, ensuring a smooth experience from start to finish. As a trusted financial partner, they serve small business owners looking for reliable lending options tailored to their unique needs. Whether you’re starting a new venture or expanding an existing business, Centra Credit Union provides the resources and expertise to help you succeed.
Location
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Q&A
Lender Type
Commercial Bank
Google Rating
3.6
Google Review Count
78
Question 1
What is this place and what can I find here?
Answer 1
This is a financial institution offering SBA loan programs and banking services tailored to small businesses. You can find information about loan options, application processes, and support for business growth.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It is recommended to schedule an appointment to ensure dedicated assistance, but walk-ins are also welcome during business hours.
Question 3
What are the hours of operation?
Answer 3
The branch operates Monday through Friday from 9:00 AM to 5:00 PM, with extended hours by appointment.
Question 4
Is there a fee to use this?
Answer 4
There are no fees for initial consultations; however, standard banking and loan application fees may apply.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This service is primarily available to members of the credit union, which requires membership eligibility.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of 640 is generally preferred for loan eligibility.
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 documentation.