United Valley Bank
United Valley Bank is an active SBA lender in North Dakota, a bank offering SBA-guaranteed small-business loans. Currently rated 4.8 stars across 6 Google reviews.
About United Valley Bank
United Valley Bank offers comprehensive SBA lending services tailored to small and medium-sized businesses seeking financial support for growth, expansion, or operational needs. With a focus on small business financing, the bank provides various loan options, including the SBA 7(a) program, to help entrepreneurs access capital efficiently. Their experienced lending team guides clients through the application process, ensuring a smooth experience from initial inquiry to loan closing. Located in Cavalier, North Dakota, the bank specializes in serving local businesses but also supports a broader regional clientele. They are committed to fostering economic development by providing flexible loan terms and competitive rates, making them a reliable partner for business owners looking to secure funding for equipment, inventory, real estate, or working capital needs. The bank's expertise in SBA lending helps clients navigate the complexities of government-backed loans, ensuring compliance and maximizing approval chances. Whether you're a startup or an established business, United Valley Bank strives to meet your unique financing requirements with personalized service and industry knowledge. Their dedication to supporting regional economic growth makes them a trusted choice for small business financing in North Dakota and beyond.
Serves SBA borrowers in 2 states
United Valley Bank has funded SBA loans for businesses in these states, by borrower location. Tap a state to see every lender serving it.
Industries United Valley Bank finances
Business types United Valley Bank actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about United Valley Bank
What is this place and what can I find here?
This is a commercial bank that offers SBA loan programs and financial services tailored to small and medium-sized businesses seeking funding for growth, expansion, or operational needs.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to ensure dedicated service, but walk-ins are also welcome during business hours.
What are the hours of operation?
United Valley Bank's Fargo branch lobby and drive-up are open Monday through Friday, 8 AM to 5 PM. Please confirm current hours with the bank directly.
Is there a fee to use this?
There are standard fees associated with SBA loans, including guarantee and closing fees, but there is no fee simply to access their services.
Who is this open to — anyone, or only residents/members?
This bank primarily serves small business owners in North Dakota, but they welcome clients from surrounding regions as well.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of 620 is generally required for loan approval.
How long does the traditional underwriting process take from start to close?
The underwriting process typically takes between 30 to 60 days, depending on the complexity of the loan and completeness of application materials.
Is this open on weekends?
The Fargo branch offers Saturday drive-up hours from 9 AM to 12 PM; the main lobby is closed on weekends. Confirm current weekend availability with the bank.
How do I get there and where do I park?
United Valley Bank is located in North Dakota — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.
Who owns or operates this listing?
This page is an independent directory listing for United Valley Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by United Valley Bank itself, which runs its own lending under its own ownership. If you work at United Valley Bank, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for United Valley Bank — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with United Valley Bank before applying. If you represent United Valley Bank, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach United Valley Bank by phone at (701) 265-8331 or online at uvbank.net — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with United Valley Bank before relying on them.
What core industries does this commercial bank traditionally choose to finance?
Based on its approved SBA loans, United Valley Bank most often finances businesses in general retail. This reflects United Valley Bank's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with United Valley Bank which sectors it actively lends to before you apply.
Can I apply for an SBA Express line of credit at this branch?
SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether United Valley Bank participates in SBA Express depends on its specific SBA lending authority. Contact United Valley Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.
Does this bank have Preferred Lender Provider status with the government?
SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. United Valley Bank can confirm its current PLP standing — ask before you apply if speed matters to you.
Are start-up companies eligible for financing at this traditional institution?
The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. United Valley Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask United Valley Bank directly whether it considers start-up loans.
What are the typical down payment expectations for commercial real estate acquisitions?
For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask United Valley Bank what down payment it expects for your specific commercial real estate purchase.
Does this bank impose prepayment penalties on short-term working capital facilities?
SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask United Valley Bank to spell out any prepayment penalties before you sign.
Can I use loan proceeds from this bank to buy out an existing equity partner?
SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with United Valley Bank to confirm it qualifies and how to document it.
Will historical personal bankruptcies automatically disqualify my loan application here?
A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. United Valley Bank weighs this case by case under its own policy, so be upfront about your history and ask United Valley Bank how it evaluates prior bankruptcies.
