San Francisco Fire Credit Union
San Francisco Fire Credit Union is an active SBA lender in California, a credit union offering SBA-guaranteed small-business loans. Currently rated 3.6 stars across 124 Google reviews.
$5M
in SBA approvals since 2014
35
SBA loans funded
Veterinary Services · Construction & Contractors · Mental Health Services
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About San Francisco Fire Credit Union
Specializing in small business financing, this financial institution offers a range of SBA loan programs designed to support entrepreneurs and business owners. Whether you're seeking funding for expansion, equipment, or working capital, they provide tailored solutions to meet your needs. Their experienced team guides clients through the application process, ensuring a smooth experience from start to finish. With a focus on personalized service, they work closely with borrowers to understand their unique circumstances and help secure the best possible loan terms. Their commitment to supporting local businesses is evident in their flexible lending options and dedicated customer support. They also offer resources and advice to help small businesses grow and succeed in competitive markets. From initial consultation to loan closing, their professionals are committed to facilitating access to capital for small and medium-sized enterprises. They understand the importance of timely funding and work diligently to process applications efficiently. Whether you're a startup or an established business, they are equipped to assist with your financing needs, providing expertise in SBA lending and beyond. Their goal is to empower business owners with the financial tools necessary to thrive and expand within their communities.
Industries San Francisco Fire Credit Union finances
Business types San Francisco Fire Credit Union actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about San Francisco Fire Credit Union
What is this place and what can I find here?
This is a financial institution that specializes in small business loans and SBA financing solutions. You can find support for funding expansion, equipment purchases, and working capital needs, along with expert guidance throughout the loan process.
Do I need an appointment or can I walk in?
It is recommended to schedule an appointment to ensure dedicated assistance, but walk-in consultations may be available during business hours. Calling ahead can help you secure dedicated support and avoid wait times.
What are the hours of operation?
San Francisco Fire Credit Union branch hours are Monday–Friday 9:30 AM to 5:30 PM and Saturday 10:00 AM to 2:00 PM. Phone support is Monday–Friday 7:00 AM to 7:00 PM and Saturday 9:00 AM to 5:00 PM. Please confirm directly with the credit union.
Is there a fee to use this?
There are no fees for consulting or initial inquiries. Loan application and processing fees may apply depending on the specific financing arrangement.
Who is this open to — anyone, or only residents/members?
This institution primarily serves small business owners and entrepreneurs, with membership or residency requirements depending on specific programs. Generally, it is open to local business owners seeking SBA funding.
What minimum personal credit score does this lender look for in a guarantor?
A minimum personal credit score of 620 is typically required to qualify for SBA loans, though higher scores improve approval chances.
How long does the traditional underwriting process take from start to close?
The underwriting process usually takes between 30 to 60 days, depending on the complexity of the application and completeness of documentation.
Is this open on weekends?
Yes, San Francisco Fire Credit Union is open Saturday 10:00 AM to 2:00 PM, with phone support Saturday 9:00 AM to 5:00 PM. Please confirm holiday hours directly.
How do I get there and where do I park?
San Francisco Fire Credit Union is located in California — 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.
Who owns or operates this listing?
This page is an independent directory listing for San Francisco Fire Credit Union, an SBA-participating credit union. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by San Francisco Fire Credit Union itself, which runs its own lending under its own ownership. If you work at San Francisco Fire Credit Union, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for San Francisco Fire 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 San Francisco Fire Credit Union before applying. If you represent San Francisco Fire Credit Union, claim this listing to keep its information up to date.
How do I contact this listing directly?
San Francisco Fire Credit Union's toll-free number is (888) 499-FIRE (3473), in addition to (415) 674-4800. Confirm SBA loan availability directly.
What core industries does this lender traditionally choose to finance?
Based on its approved SBA loans, San Francisco Fire Credit Union most often finances businesses in restaurants & food service. This reflects San Francisco Fire 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 San Francisco Fire Credit Union which sectors it actively lends to before you apply.
Can I apply for an SBA Express line of credit at this lender?
SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether San Francisco Fire Credit Union participates in SBA Express depends on its specific SBA lending authority. Contact San Francisco Fire Credit Union and ask if it offers SBA Express and what the current limits and terms look like for your situation.
Does this lender have Preferred Lender Provider status with the government?
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. San Francisco Fire Credit Union can confirm its current PLP standing — ask before you apply if speed matters to you.
Are start-up companies eligible for financing at this lender?
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. San Francisco Fire Credit Union's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask San Francisco Fire Credit Union directly whether it considers start-up loans.
What are the typical down payment expectations for commercial real estate acquisitions?
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 San Francisco Fire Credit Union what down payment it expects for your specific commercial real estate purchase.
Does this lender impose prepayment penalties on short-term working capital facilities?
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 San Francisco Fire Credit Union to spell out any prepayment penalties before you sign.
Can I use loan proceeds from this lender to buy out an existing equity partner?
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 San Francisco Fire Credit Union to confirm it qualifies and how to document it.
Will historical personal bankruptcies automatically disqualify my loan application here?
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. San Francisco Fire Credit Union weighs this case by case under its own policy, so be upfront about your history and ask San Francisco Fire Credit Union how it evaluates prior bankruptcies.
