Travis CU

This is a bank that provides SBA loan programs and small business financing solutions. You can find personalized assistance for your business needs and access to various loan options to support growth and expansion.

It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins are also welcome during business hours.

Travis CU's Vaca Commons branch operates Monday to Friday from 10:00 AM to 5:30 PM, and Saturday from 10:00 AM to 2:00 PM. Please contact the lender to confirm current hours for this location.

There may be application and closing fees associated with SBA loans, but consultation with a loan officer can provide specific details.

This bank primarily serves local residents and small business owners in the Vacaville area, but they also support regional clients seeking SBA financing.

A minimum personal credit score of 620 is generally preferred for SBA loan guarantors.

The underwriting process typically takes about 30 to 45 days, depending on the complexity of the application and completeness of documentation.

Yes, Travis CU's Vaca Commons branch is open on Saturday from 10:00 AM to 2:00 PM. Contact the branch to confirm weekend hours for SBA lending staff availability.

Travis CU 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.

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

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

You can reach Travis CU by phone at (707) 449-4000 or online at traviscu.org — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with Travis CU before relying on them.

Based on its approved SBA loans, Travis CU most often finances businesses in construction & contractors and restaurants & food service. This reflects Travis CU'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 Travis CU which sectors 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 Travis CU participates in SBA Express depends on its specific SBA lending authority. Contact Travis 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. Travis 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. Travis CU's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Travis 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 Travis 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 Travis 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 Travis 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. Travis CU weighs this case by case under its own policy, so be upfront about your history and ask Travis CU how it evaluates prior bankruptcies.