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Santa Cruz Community Credit Union

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Description

Offering comprehensive banking services tailored for small businesses and entrepreneurs, Santa Cruz Community Credit Union provides a variety of loan options including SBA-backed financing. Whether you’re seeking funding for expansion, equipment, or working capital, this institution supports your business goals with personalized service and flexible terms. Their SBA program history indicates experience with 7A loans, making them a reliable partner for small business owners looking to leverage government-backed funding. Located at 55 River Street in Santa Cruz, CA, they serve the local community with a focus on fostering economic growth and supporting small business success. The credit union emphasizes community involvement and offers various financial products designed to meet the diverse needs of local businesses and residents.

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Q&A

Lender Type
Commercial Bank
Google Rating
3
Google Review Count
26
Question 1
What is this place and what can I find here?
Answer 1
This is a community-focused credit union offering banking services, including SBA loans, to small businesses and residents in Santa Cruz. You can find personalized financial solutions and support for your business growth here.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It is recommended to schedule an appointment to ensure dedicated service, but walk-ins are also welcome during business hours.
Question 3
What are the hours of operation?
Answer 3
The credit union is typically open from 9:00 AM to 5:00 PM, Monday through Friday, but hours may vary, so it"s best to check ahead.
Question 4
Is there a fee to use this?
Answer 4
There may be fees associated with certain banking services or loan applications; specifics depend on the product and terms.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
Membership is generally open to residents of the Santa Cruz area and local small business owners who meet membership requirements.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum credit score of around 650 is typically preferred, but approval depends on overall creditworthiness and financial profile.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process usually takes between 2 to 4 weeks, depending on the complexity of the loan and completeness of application materials.
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