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Union State Bank

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Description

Offering comprehensive SBA lending services, this financial institution specializes in supporting small businesses with various loan programs. Whether you’re seeking funding for expansion, equipment, or working capital, they provide tailored solutions to meet your needs. Their team is experienced in navigating SBA requirements, ensuring a smooth application process for eligible borrowers. With a focus on regional economic growth, they serve the local community with personalized service and expert guidance. The bank is well-versed in SBA 7(a) loans, providing flexible financing options up to $270,000, ideal for small business owners looking for reliable funding sources. Their commitment to supporting local industries and entrepreneurs makes them a trusted partner for business development in the area.

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Q&A

Lender Type
Commercial Bank
Google Rating
3
Google Review Count
2
Question 1
What is this place and what can I find here?
Answer 1
This is a commercial bank that provides SBA loan programs and financial services tailored to small businesses, including support for SBA 7(a) loans and regional business growth initiatives.
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 accommodated depending on availability.
Question 3
What are the hours of operation?
Answer 3
Typically, the bank operates from 9 AM to 5 PM, Monday through Friday, but hours may vary, so it"s best to contact them directly.
Question 4
Is there a fee to use this?
Answer 4
There are fees associated with loan processing and service charges, which vary based on the specific loan product and amount.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves small business owners and residents within the region, with eligibility based on creditworthiness and business qualifications.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of around 650 is generally preferred, though higher scores improve approval chances.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process typically takes 2 to 4 weeks, depending on the completeness of application materials and loan complexity.
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