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First Financial Credit Union

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Description

First Financial Credit Union offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth and development. With a focus on personalized service, they provide a range of loan options including SBA 7(a) loans, which are ideal for working capital, equipment purchases, and expansion projects. Located in Albuquerque, NM, this credit union is committed to helping local entrepreneurs access the capital they need to succeed. Their experienced team guides borrowers through the application process, ensuring clarity and efficiency from start to finish. Whether you’re a startup or an established business, First Financial Credit Union strives to meet your unique financing needs with competitive rates and flexible terms. They also support various industries, emphasizing community development and economic growth in the region. Their SBA programs are designed to provide accessible funding solutions, making them a reliable partner for small business owners in New Mexico.

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Q&A

Lender Type
Commercial Bank
Google Rating
3.9
Google Review Count
136
Question 1
What is this place and what can I find here?
Answer 1
This is a community-focused credit union offering a range of banking and SBA lending services to small businesses in Albuquerque. You can find personalized financial solutions, expert guidance, and access to SBA 7(a) loans designed to support business growth and development.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It is recommended to schedule an appointment to ensure dedicated service, but walk-ins are also accommodated depending on availability. Calling ahead can help streamline your visit and prepare the necessary documents.
Question 3
What are the hours of operation?
Answer 3
Typically, the branch operates from 9:00 AM to 5:00 PM, Monday through Friday. It’s best to check directly with the branch for specific hours or any holiday closures.
Question 4
Is there a fee to use this?
Answer 4
There may be fees associated with certain banking services or loan processing, but standard account access is generally free. Details on specific fees can be obtained during your consultation.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
Membership is generally limited to residents of the Albuquerque area or those who qualify for membership through certain employment or community affiliations. Small business owners within the region are welcome to apply.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of around 640 is typically considered for SBA loan qualification, though higher scores can improve approval chances.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process usually takes between 30 to 60 days, depending on the complexity of the loan and completeness of the application.
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