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KEMBA Financial CU

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Description

KEMBA Financial CU offers comprehensive SBA lending services, focusing on small business financing needs with personalized support and flexible loan options. They provide SBA 7(a) loans, which are ideal for business expansion, equipment purchase, or working capital. With a strong community presence, they aim to serve local entrepreneurs and small business owners by offering competitive rates and tailored financial solutions. Their team is dedicated to guiding clients through the application process, ensuring clarity and efficiency from start to finish. The bank specializes in serving a diverse range of industries, emphasizing their commitment to fostering local economic growth and supporting small business success through SBA programs. Whether you’re seeking a loan for startup costs or growth initiatives, KEMBA Financial CU is equipped to help you achieve your business goals with a focus on customer service and financial expertise.

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Q&A

Lender Type
Commercial Bank
Google Rating
2.4
Google Review Count
100
Question 1
What is this place and what can I find here?
Answer 1
This is a community-focused financial institution offering SBA lending options and small business financing solutions tailored to local entrepreneurs and small business owners.
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-in consultations may also be accommodated during business hours.
Question 3
What are the hours of operation?
Answer 3
Typically, they operate from 9 am to 5 pm, Monday through Friday, but it’s best to contact the branch directly for specific hours.
Question 4
Is there a fee to use this?
Answer 4
There may be fees associated with certain services or loan processing, which will be disclosed during the application process.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This institution primarily serves local residents and small business members within the community, with eligibility based on membership and creditworthiness.
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 generally preferred, though it can vary based on the loan specifics.
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 complexity of the application and completeness of documentation.
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