Lighthouse Federal Credit Union

This is a financial institution offering SBA loan programs and small business financing solutions. You can find personalized support for your business funding needs and assistance with SBA applications.

It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins are also welcome during business hours.

Lighthouse Federal Credit Union's Dover branch operates Monday through Friday 9:00 AM to 5:00 PM and Saturday 9:00 AM to 12:00 PM. Please confirm hours with the branch.

There are no fees for initial consultations; standard loan application and processing fees may apply depending on the loan type.

This credit union primarily serves members and residents of the Dover community, with membership eligibility criteria based on location and affiliation.

A minimum personal credit score of 650 is generally preferred, though higher scores improve approval chances.

The underwriting process typically takes between 2 to 4 weeks, depending on the complexity of the loan and completeness of documentation.

The Dover branch is open Saturday mornings 9:00 AM to 12:00 PM but closed Sundays. Confirm SBA lending staff availability with the lender.

Lighthouse Federal Credit Union is located in New Hampshire — 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.

This page is an independent directory listing for Lighthouse Federal Credit Union, an SBA-participating credit union. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Lighthouse Federal Credit Union itself, which runs its own lending under its own ownership. If you work at Lighthouse Federal Credit Union, you can claim this listing from this page to manage it.

The core details for Lighthouse Federal Credit Union — 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 Lighthouse Federal Credit Union before applying. If you represent Lighthouse Federal Credit Union, claim this listing to keep its information up to date.

You can reach Lighthouse Federal Credit Union by phone at (888) 436-1847 or online at lighthousecu.org — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with Lighthouse Federal Credit Union before relying on them.

Based on its approved SBA loans, Lighthouse Federal Credit Union most often finances businesses in general retail and transportation & trucking. This reflects Lighthouse Federal Credit Union's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with Lighthouse Federal Credit Union which sectors it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Lighthouse Federal Credit Union participates in SBA Express depends on its specific SBA lending authority. Contact Lighthouse Federal Credit Union and ask if it offers SBA Express and what the current limits and terms look like for your situation.

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. Lighthouse Federal Credit Union can confirm its current PLP standing — ask before you apply if speed matters to you.

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. Lighthouse Federal Credit Union's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Lighthouse Federal Credit Union directly whether it considers start-up loans.

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 Lighthouse Federal Credit Union what down payment it expects for your specific commercial real estate purchase.

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 Lighthouse Federal Credit Union to spell out any prepayment penalties before you sign.

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 Lighthouse Federal Credit Union to confirm it qualifies and how to document it.

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. Lighthouse Federal Credit Union weighs this case by case under its own policy, so be upfront about your history and ask Lighthouse Federal Credit Union how it evaluates prior bankruptcies.