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Oregon Community CU

Offering comprehensive financial services tailored to small businesses, this institution specializes in SBA lending programs designed to support business growth and development. With a focus on small and medium-sized enterprises, it provides flexible funding options, including SBA 7(a) loans, to help entrepreneurs access the capital they need for expansion, equipment purchase, or working capital. The bank’s experienced team works closely with clients to understand their unique needs and guide them through the loan application process, ensuring a smooth experience from start to finish. Located in Eugene, Oregon, it serves a broad range of industries with a particular strength in the hospitality sector, given its NAICS code 721211. The institution prides itself on personalized service, competitive rates, and quick approval times, making it a reliable partner for local businesses seeking SBA support.

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Lender Type

Commercial Bank

Google Rating

3.3

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Question 1

What is this place and what can I find here?

Answer 1

This is a financial institution offering SBA loans and small business financing solutions. You can find personalized support, expert guidance, and flexible funding options to help your business grow.

Question 2

Do I need an appointment or can I walk in?

Answer 2

It"s recommended to schedule an appointment to ensure dedicated service, but walk-ins are also welcome during business hours. Calling ahead can help you prepare for your visit.

Question 3

What are the hours of operation?

Answer 3

The bank operates Monday through Friday from 9:00 AM to 5:00 PM. Hours may vary on holidays, so it"s best to contact them in advance.

Question 4

Is there a fee to use this?

Answer 4

There are standard fees associated with SBA loans, including application and closing costs. Specific fees depend on the loan terms and amount.

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 Eugene area, but membership or residency is not a strict requirement for loan consideration.

Question 6

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

Answer 6

A minimum personal credit score of 620 is generally preferred for SBA loan applicants, though other factors are also considered.

Question 7

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

Answer 7

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

Oregon Community CU

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