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Together CU

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Description

Together CU offers comprehensive SBA lending solutions tailored to small businesses seeking growth capital or working capital financing. With a focus on supporting local entrepreneurs, this institution provides various loan programs including SBA 7(a), which is ideal for business acquisitions, expansions, and equipment purchases. Their experienced team guides borrowers through the application process, ensuring clarity and support at every step. The bank emphasizes personalized service and flexible financing options to meet diverse business needs. They have a strong history of approving large loans, with approval amounts reaching up to $4,665,000, demonstrating their capacity to support substantial business projects. Whether you’re a startup or an established enterprise, Together CU aims to facilitate your business ambitions with competitive terms and dedicated customer service.

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Q&A

Lender Type
Commercial Bank
Google Rating
3.7
Google Review Count
301
Question 1
What is this place and what can I find here?
Answer 1
This is a financial institution offering SBA loans and business financing solutions to small businesses in the Saint Louis area. You can find assistance with loan applications, business growth funding, and personalized financial advice tailored to your needs.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It"s recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-in consultations may be available during business hours. Calling ahead can help streamline your visit.
Question 3
What are the hours of operation?
Answer 3
Typically, the bank operates from 9:00 AM to 5:00 PM, Monday through Friday. It"s best to check directly with the branch for specific hours or any holiday closures.
Question 4
Is there a fee to use this?
Answer 4
There are no fees to visit or consult with the bank; however, loan applications and processing may involve standard fees such as guarantee fees, closing costs, and interest charges.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This institution primarily serves small business owners in the Saint Louis area and requires membership or local residency for certain services. Business eligibility is based on SBA program criteria.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of around 640 is generally preferred, though higher scores improve the chances of approval and favorable terms.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process typically takes between 30 to 60 days, depending on the complexity of the application and completeness of submitted documentation.
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