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United Bank of Philadelphia

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Description

United Bank of Philadelphia offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth, expansion, or operational needs. With a focus on small business financing, the bank provides various SBA loan programs, including the popular 7(a) program, to help entrepreneurs access the capital they need. Their experienced lending team guides clients through the application process, ensuring clarity and support at every step. Located in the heart of Philadelphia, they serve local businesses while also supporting clients across the region. The bank’s offerings include loan options for purchasing equipment, real estate, or working capital, with flexible terms designed to meet diverse business needs. They also provide guidance on eligibility and the required documentation, making the process straightforward for small business owners. Whether you’re a startup or an established enterprise, United Bank of Philadelphia is committed to fostering business growth through accessible financing solutions. Their expertise in SBA lending helps bridge the gap between business ambitions and financial realities, ensuring clients receive tailored support for their unique circumstances.

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Q&A

Lender Type
Commercial Bank
Google Rating
3.3
Google Review Count
38
Question 1
What is this place and what can I find here?
Answer 1
This is a bank that offers SBA loan programs designed to help small businesses access financing for growth, real estate, equipment, and working capital needs. You can find personalized support and guidance throughout the application process, tailored to your business goals.
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 lending specialist, but walk-in consultations may also be available during business hours.
Question 3
What are the hours of operation?
Answer 3
The bank"s branch hours are typically Monday through Friday, 9 am to 5 pm, but it"s best to check ahead for specific appointment times or special hours.
Question 4
Is there a fee to use this?
Answer 4
There are no fees for initial consultations; however, loan processing and closing fees may apply depending on the specific financing arrangement.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This service is primarily available to small business owners within the bank"s regional service area, but eligibility depends on meeting SBA program requirements.
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 preferred, but other factors such as business cash flow and collateral are also considered.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process usually takes between 30 to 60 days, depending on the complexity of the loan and completeness of the application.
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