Orlando CU

This is a community-focused bank offering SBA loans and small business financing solutions to support local entrepreneurs and business growth in Orlando.

It is recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins may be accommodated during business hours.

The bank operates from 9:00 AM to 5:00 PM, Monday through Friday.

There are no fees for simply visiting the branch; fees may apply for loan processing and other services.

This bank primarily serves residents and small business owners in the Orlando area, with a focus on local community development.

A minimum personal credit score of 650 is generally preferred for loan approval.

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

Most credit unions keep weekday business hours and are closed on weekends, and Orlando 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 Orlando CU to confirm current weekend availability before you go.

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

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

For SBA and business lending inquiries, you can email Orlando CU's business lending team at business@orlandocreditunion.org, or call (407) 835-3500 or (800) 953-4567.

Like most SBA lenders, Orlando 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 Orlando 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 Orlando CU participates in SBA Express depends on its specific SBA lending authority. Contact Orlando 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. Orlando 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. Orlando CU's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Orlando 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 Orlando 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 Orlando 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 Orlando 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. Orlando CU weighs this case by case under its own policy, so be upfront about your history and ask Orlando CU how it evaluates prior bankruptcies.