UnitedOne Credit Union
UnitedOne Credit Union is an active SBA lender in Wisconsin, a credit union offering SBA-guaranteed small-business loans. Currently rated 4.4 stars across 71 Google reviews.
$5M
in SBA approvals since 2023
14
SBA loans funded
Construction & Contractors · Transportation & Trucking · Restaurants & Food Service
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About UnitedOne Credit Union
Offering a range of banking services tailored to small businesses and entrepreneurs, this financial institution specializes in SBA lending programs to support business growth and development. With a focus on serving the local community, it provides accessible financing options for various industries, including retail, service, and small manufacturing sectors. The bank is experienced in handling SBA 7(a) loans, which are ideal for working capital, equipment purchase, or business expansion. Customers benefit from personalized service and flexible loan terms designed to meet diverse business needs. Additionally, the institution offers guidance through the application process and ongoing support to ensure successful loan utilization. Its commitment to fostering local economic growth makes it a reliable partner for small business owners seeking SBA-backed financing solutions.
Common questions about UnitedOne Credit Union
What is this place and what can I find here?
This is a financial institution that offers SBA loan programs and banking services tailored to small businesses, providing financing options and expert guidance to help your business grow.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to ensure personalized service, but walk-in consultations may be available during business hours.
What are the hours of operation?
UnitedOne Credit Union's lobby is open Monday through Friday from 9:00 AM to 5:00 PM. For specific branch hours, contact them directly.
Is there a fee to use this?
There are no fees to visit or consult; however, loan applications and processing may involve fees as outlined in the loan agreement.
Who is this open to — anyone, or only residents/members?
This institution primarily serves local residents and small business owners, but eligibility is based on meeting specific loan criteria.
What minimum personal credit score does this lender look for in a guarantor?
A minimum personal credit score of around 640 is generally preferred, though higher scores improve approval chances.
How long does the traditional underwriting process take from start to close?
The process typically takes between 30 to 60 days, depending on the complexity of the application and completeness of documentation.
Is this open on weekends?
Most UnitedOne Credit Union locations are closed on weekends. The Walmart SuperCenter branch in Manitowoc is open Saturdays 9:00 AM - 1:00 PM. Confirm weekend availability for your specific branch.
How do I get there and where do I park?
UnitedOne Credit Union is located in Wisconsin — see the contact card for the full address. Most credit union 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 UnitedOne Credit Union, an SBA-participating credit union. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by UnitedOne Credit Union itself, which runs its own lending under its own ownership. If you work at UnitedOne Credit Union, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for UnitedOne Credit Union — 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 UnitedOne Credit Union before applying. If you represent UnitedOne Credit Union, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach UnitedOne Credit Union by phone at (920) 684-0361 or online at unitedone.org — 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 UnitedOne Credit Union before relying on them.
What core industries does this lender traditionally choose to finance?
Like most SBA lenders, UnitedOne Credit Union can finance a broad range of small businesses — common categories include professional services, healthcare practices, restaurants and franchises, retail, light manufacturing, and commercial real estate. Each credit union sets its own industry preferences and may avoid sectors it considers higher risk. Ask UnitedOne Credit Union directly which industries it actively lends to before you apply.
Can I apply for an SBA Express line of credit at this lender?
SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether UnitedOne Credit Union participates in SBA Express depends on its specific SBA lending authority. Contact UnitedOne Credit Union and ask if it offers SBA Express and what the current limits and terms look like for your situation.
Does this lender 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 credit unions hold PLP status, but it varies by institution. UnitedOne Credit Union can confirm its current PLP standing — ask before you apply if speed matters to you.
Are start-up companies eligible for financing at this lender?
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. UnitedOne Credit Union's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask UnitedOne Credit Union 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 UnitedOne Credit Union what down payment it expects for your specific commercial real estate purchase.
Does this lender 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 UnitedOne Credit Union to spell out any prepayment penalties before you sign.
Can I use loan proceeds from this lender 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 UnitedOne Credit Union 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. UnitedOne Credit Union weighs this case by case under its own policy, so be upfront about your history and ask UnitedOne Credit Union how it evaluates prior bankruptcies.
