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Unison Bank

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Description

Unison Bank offers comprehensive SBA lending services tailored to small and medium-sized businesses seeking financial support for growth, equipment, or operational needs. With a focus on personalized service, the bank provides various SBA loan programs, including the popular 7(a) loan program, to help clients access capital efficiently. Their team specializes in guiding borrowers through the application process, ensuring clarity and support at every step. Located in Jamestown, North Dakota, Unison Bank is committed to fostering local economic development by providing flexible financing options that meet diverse business needs. They work closely with clients to understand their unique circumstances and craft solutions that align with their growth strategies. Whether you’re a startup or an established enterprise, Unison Bank aims to be a trusted partner in your financial journey, leveraging their expertise to facilitate successful loan approvals and ongoing support.

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Q&A

Lender Type
Commercial Bank
Google Rating
3.9
Google Review Count
19
Question 1
What is this place and what can I find here?
Answer 1
This is a bank that offers SBA loan programs and financial services designed to help small and medium-sized businesses access capital for growth and operational needs. You can find personalized guidance and support throughout the loan application process, especially for SBA 7(a) loans. The bank focuses on fostering local economic development in Jamestown and the surrounding region.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It is recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-in consultations may also be available during business hours. Calling ahead can help streamline your visit and prepare necessary documentation.
Question 3
What are the hours of operation?
Answer 3
The bank operates during standard business hours, typically from 8:30 AM to 5:00 PM, Monday through Friday. It"s advisable to check directly with the branch for any variations or special hours.
Question 4
Is there a fee to use this?
Answer 4
There are fees associated with SBA loan applications, including processing and guarantee fees, which vary depending on the loan size and terms. These fees are disclosed during the application process and are part of the overall loan costs.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves local businesses and residents in the Jamestown area, but SBA loan programs are available to qualifying businesses nationwide. Eligibility depends on meeting specific SBA and bank 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 recommended, though higher scores improve the likelihood of approval. The bank assesses credit history as part of the overall application review.
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. Early preparation can help expedite the review.
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