OneAZ CU

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.

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.

The Phoenix Monroe Street branch is open Monday through Thursday 9:00 AM to 5:00 PM, and Friday 9:00 AM to 6:00 PM; confirm hours directly with OneAZ CU.

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.

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.

A minimum personal credit score of around 640 is generally preferred, though approval depends on the overall financial profile and business prospects.

The underwriting process typically takes between 30 to 60 days, depending on the completeness of application materials and the complexity of the loan request.

Most credit unions keep weekday business hours and are closed on weekends, and OneAZ CU typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call OneAZ CU to confirm current weekend availability before you go.

OneAZ CU is located in Arizona — 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 OneAZ CU, an SBA-participating credit union. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by OneAZ CU itself, which runs its own lending under its own ownership. If you work at OneAZ CU, you can claim this listing from this page to manage it.

The core details for OneAZ CU — 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 OneAZ CU before applying. If you represent OneAZ CU, claim this listing to keep its information up to date.

You can reach OneAZ CU by phone at (602) 452-4810 or online at oneazcu.com — 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 OneAZ CU before relying on them.

Like most SBA lenders, OneAZ CU can finance a broad range of small businesses — common categories include professional services, healthcare practices, restaurants and franchises, retail, light manufacturing, and commercial real estate. Each credit union sets its own industry preferences and may avoid sectors it considers higher risk. Ask OneAZ CU directly which industries 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 OneAZ CU participates in SBA Express depends on its specific SBA lending authority. Contact OneAZ CU 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. OneAZ CU 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. OneAZ CU's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask OneAZ CU 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 OneAZ CU 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 OneAZ CU 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 OneAZ CU 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. OneAZ CU weighs this case by case under its own policy, so be upfront about your history and ask OneAZ CU how it evaluates prior bankruptcies.