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United FCU

United FCU offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth, expansion, or operational needs. With a focus on personalized service, they assist clients through the SBA 7(a) loan process, providing flexible terms and competitive rates. Their team is dedicated to helping entrepreneurs access the capital they need to succeed, whether it’s for purchasing equipment, real estate, or working capital. Located in Saint Joseph, MI, this financial institution understands the local market and offers expertise in various industries, especially those aligned with their primary NAICS code 812112, which pertains to personal and laundry services. They support businesses across different stages, from startups to established enterprises, ensuring tailored financial solutions. Their commitment to customer service and SBA expertise makes them a strong partner for small business owners looking for reliable funding options.

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Lender Type

Commercial Bank

Google Rating

4.1

Google Review Count

116

Question 1

What is this place and what can I find here?

Answer 1

This is a financial institution offering SBA lending services, including 7(a) loans, to help small businesses access capital for growth and operational needs. You can find personalized support and guidance throughout the loan process.

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 loan officer, but walk-ins may be accommodated depending on availability.

Question 3

What are the hours of operation?

Answer 3

The typical hours are Monday through Friday, 9 am to 5 pm, but it"s best to contact the branch directly for specific hours.

Question 4

Is there a fee to use this?

Answer 4

There may be application and closing fees associated with SBA loans, but these are typically disclosed upfront during the application process.

Question 5

Who is this open to — anyone, or only residents/members?

Answer 5

This lender primarily serves small business owners in the Saint Joseph area, focusing on local entrepreneurs and residents.

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 recommended for loan eligibility.

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 documentation.

United FCU

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