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UniBank

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Description

UniBank offers comprehensive SBA lending solutions tailored to small businesses seeking financial support for growth, expansion, or operational needs. As a trusted commercial bank, it provides access to various SBA programs including the 7(a) loan program, which is ideal for a wide range of business purposes such as working capital, equipment purchase, or real estate acquisition. The bank’s experienced lending team works closely with clients to customize loan packages that meet their unique needs, ensuring a smooth application process and competitive terms. With a focus on community development and small business success, UniBank supports entrepreneurs across diverse industries, providing flexible financing options and expert guidance throughout the lending journey. Whether you’re a startup or an established business, UniBank is committed to helping you achieve your goals through personalized service and reliable funding solutions.

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Q&A

Lender Type
Commercial Bank
Google Rating
3.6
Google Review Count
9
Question 1
What is this place and what can I find here?
Answer 1
This is a community-focused commercial bank offering SBA lending programs designed to support small businesses. You can find various financing options, personalized banking services, and expert guidance to help your business grow.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It"s recommended to schedule an appointment to ensure dedicated service, but walk-ins are also welcome during business hours. Contact the branch beforehand for the best experience.
Question 3
What are the hours of operation?
Answer 3
The branch operates from 9:00 AM to 5:00 PM, Monday through Friday. Hours may vary on holidays, so it"s best to check ahead of your visit.
Question 4
Is there a fee to use this?
Answer 4
There are no fees to access basic banking services, but specific loan applications and services may involve fees disclosed during the application process.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves small business clients within its regional area, but SBA loan programs are available to qualified applicants nationwide.
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 typically needed, though higher scores improve the likelihood of approval and favorable terms.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process generally takes between 30 to 60 days, depending on the complexity of the application and completeness of documentation.
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