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First U.S. Community CU

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Description

First U.S. Community CU offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth, expansion, or operational needs. With a focus on personalized service, they provide various loan options including the SBA 7(a) program, which is ideal for working capital, equipment purchase, or real estate acquisition. Their experienced team guides clients through the application process, ensuring clarity and efficiency from start to finish. Located in Sacramento, CA, they serve a diverse range of industries, emphasizing community development and small business success. The institution is committed to supporting local entrepreneurs by offering flexible terms and competitive rates, making them a trusted partner for small business financing needs. Whether you’re a startup or an established business, First U.S. Community CU strives to provide accessible funding solutions to help you achieve your goals and sustain growth in a competitive marketplace.

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Q&A

Lender Type
Commercial Bank
Google Rating
2.4
Google Review Count
24
Question 1
What is this place and what can I find here?
Answer 1
This is a community credit union that offers small business loans, including SBA programs, with personalized service and flexible financing options to help local entrepreneurs grow their businesses.
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 officer, but walk-ins may be accommodated depending on availability.
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 additional hours by appointment.
Question 4
Is there a fee to use this?
Answer 4
There are no fees for simply visiting or consulting; fees apply only to specific services like loan processing and account maintenance.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
Membership is open to individuals and small businesses within the community who meet the eligibility requirements.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum credit score of 650 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 process typically takes 2 to 4 weeks, depending on the completeness of documentation and loan complexity.
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