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KeyPoint CU

KeyPoint CU offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth, expansion, or operational needs. As a commercial bank, it provides a variety of loan options, including SBA 7(a) loans, with flexible terms and competitive rates. The bank specializes in serving businesses across various industries, with a focus on construction, manufacturing, and service sectors, helping entrepreneurs access capital efficiently. Its experienced team guides clients through the application process, ensuring clarity and support at every step. Whether you need working capital, equipment financing, or real estate loans, KeyPoint CU is equipped to deliver tailored solutions to meet your business goals.

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Lender Type

Commercial Bank

Google Rating

4.6

Google Review Count

Question 1

What is this place and what can I find here?

Answer 1

This is a commercial bank offering SBA loan programs and financial services tailored to small businesses, including financing for real estate, equipment, and working capital needs.

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 may be accommodated depending on availability.

Question 3

What are the hours of operation?

Answer 3

The bank operates from 9:00 AM to 5:00 PM, Monday through Friday, with extended hours by appointment.

Question 4

Is there a fee to use this?

Answer 4

There are no fees for visiting or consulting; fees are associated with specific loan applications and services, which will be disclosed upfront.

Question 5

Who is this open to — anyone, or only residents/members?

Answer 5

This bank serves small business owners and entrepreneurs, primarily those operating within its regional service area.

Question 6

What minimum personal credit score does this bank look for in a guarantor?

Answer 6

A minimum personal credit score of 650 is typically required for loan approval.

Question 7

How long does the traditional underwriting process take from start to close?

Answer 7

The underwriting process generally takes 30 to 45 days, depending on the complexity of the application and completeness of documentation.

KeyPoint CU

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