City & County CU
City & County CU is an active SBA lender in the United States, a credit union offering SBA-guaranteed small-business loans. Currently rated 3.7 stars across 135 Google reviews.
$16M
in SBA approvals since 2010
27
SBA loans funded
Catering & Events · Medical Practices & Clinics · Home Healthcare
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About City & County CU
City & County CU offers comprehensive SBA lending services tailored to small businesses seeking financial growth and stability. With a focus on supporting local entrepreneurs, this institution provides various loan options, including SBA 7(a) loans, to help fund business expansion, equipment purchases, and working capital needs. Their experienced team guides clients through the application process, ensuring clarity and efficiency. The bank's commitment to community development is reflected in their flexible lending criteria and personalized service. Whether you're a startup or an established business, City & County CU aims to foster economic growth within the Saint Paul area and beyond. They leverage their strong local presence to provide accessible financing solutions that meet diverse business needs. The institution's expertise in SBA programs makes them a reliable partner for small business owners looking for competitive terms and dedicated support.
Common questions about City & County CU
What is this place and what can I find here?
This is a community-focused SBA lender providing small business loans, including SBA 7(a) financing, with personalized service tailored to local entrepreneurs.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins may be accommodated depending on availability.
What are the hours of operation?
The Saint Paul branch lobby at City & County CU operates Monday through Friday from 8:30 AM to 4:30 PM. Drive-up service is available until 5:30 PM weekdays and from 9:00 AM to 12:00 PM on Saturday. Confirm these hours with the branch before visiting.
Is there a fee to use this?
There are no fees for visiting or consulting; loan fees depend on the specific financing arrangement.
Who is this open to — anyone, or only residents/members?
This lender primarily serves small business owners in the Saint Paul area, with membership requirements for account holders.
What minimum personal credit score does this lender look for in a guarantor?
A minimum personal credit score of around 650 is generally preferred, but other factors are also considered.
How long does the traditional underwriting process take from start to close?
The process typically takes 2 to 4 weeks, depending on the loan complexity and completeness of application materials.
Is this open on weekends?
City & County CU's Saint Paul branch is open on Saturday from 9:00 AM to 12:00 PM for drive-up services only; the lobby is closed on weekends. Confirm current weekend service hours with the branch.
How do I get there and where do I park?
City & County CU is located at the address listed on this page — 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 City & County CU, an SBA-participating credit union. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by City & County CU itself, which runs its own lending under its own ownership. If you work at City & County CU, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for City & County CU — 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 City & County CU before applying. If you represent City & County CU, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach City & County CU's Saint Paul branch directly at (651) 225-2700 or the main number (800) 223-2801. Confirm your business lending needs with the branch.
What core industries does this lender traditionally choose to finance?
Like most SBA lenders, City & County CU 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 City & County CU directly which industries it actively lends to before you apply.
Can I apply for an SBA Express line of credit at this lender?
SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether City & County CU participates in SBA Express depends on its specific SBA lending authority. Contact City & County CU and ask if it offers SBA Express and what the current limits and terms look like for your situation.
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. City & County CU 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. City & County CU's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask City & County CU 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 City & County CU 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 City & County CU 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 City & County CU 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. City & County CU weighs this case by case under its own policy, so be upfront about your history and ask City & County CU how it evaluates prior bankruptcies.