OneAZ CU
Description
Offering comprehensive SBA lending services, this financial institution specializes in supporting small businesses through various loan programs. Whether you’re seeking funding for expansion, equipment, or working capital, they provide tailored solutions to meet your needs. With a focus on the SBA 7(a) program, they assist entrepreneurs in accessing capital with favorable terms and flexible eligibility criteria. Their experienced team guides clients through the application process, ensuring clarity and support at every step. Located in Phoenix, AZ, they serve a diverse range of industries, emphasizing personalized service and financial expertise to help small businesses thrive.
Location
Review
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Q&A
Lender Type
Commercial Bank
Google Rating
4.5
Google Review Count
270
Question 1
What is this place and what can I find here?
Answer 1
This is a financial institution offering SBA loan programs and small business financing solutions designed to help entrepreneurs grow and succeed. You can find assistance with SBA 7(a) and 504 loans, as well as guidance throughout the application process to secure funding for your business 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 time with a loan specialist, but walk-in consultations may also be available during business hours. Calling ahead can help you prepare and streamline your visit.
Question 3
What are the hours of operation?
Answer 3
Typically, the bank operates from 9:00 AM to 5:00 PM, Monday through Friday. It"s advisable to contact the branch directly for specific hours or to confirm availability for meetings outside regular hours.
Question 4
Is there a fee to use this?
Answer 4
There are no fees for initial consultations; however, processing and origination fees may apply to loan products. These fees are disclosed upfront and vary depending on the specific loan terms.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This institution primarily serves small business owners and entrepreneurs in the Phoenix area, but they also support clients nationwide through their SBA loan programs. Membership or residency is not strictly required, but eligibility depends on business qualification criteria.
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 approval depends on the overall financial profile and business prospects.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process typically takes between 30 to 60 days, depending on the completeness of application materials and the complexity of the loan request.