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Utah First FCU

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Description

Offering comprehensive SBA lending services, Utah First FCU specializes in supporting small businesses with various financing options tailored to their needs. Their team is dedicated to helping entrepreneurs secure funding for growth, expansion, or operational needs through SBA programs, including the popular 7A loan program. Located in Salt Lake City, they serve a broad range of industries, providing personalized assistance to guide clients through the loan process. With a focus on community development and member success, they are committed to fostering local economic growth by offering competitive rates and flexible terms. Whether you’re a startup or an established business, Utah First FCU aims to be your trusted partner in achieving your financial goals. Their experienced staff is ready to assist with application procedures, ensuring a smooth and transparent experience from start to finish. They also support microloans and other small business financing options, making them a versatile choice for various business sizes and needs.

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Q&A

Lender Type
Commercial Bank
Google Rating
4.9
Google Review Count
2281
Question 1
What is this place and what can I find here?
Answer 1
This is a financial institution offering SBA loan programs, including 7A and microloans, to support small businesses. You can find personalized assistance for your business financing needs and guidance through the loan application process.
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 specialist, but walk-ins are also accepted depending on availability. Calling ahead can help streamline your visit.
Question 3
What are the hours of operation?
Answer 3
Typically, the branch operates from Monday to Friday, 9 am to 5 pm, but it is best to check directly with the branch for current hours or to schedule an appointment.
Question 4
Is there a fee to use this?
Answer 4
There are no fees for simply visiting or consulting; however, loan application and closing fees may apply depending on the specific financing product and terms.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This institution primarily serves its members, who are typically part of the credit union, but non-members may also access certain services by becoming members or through specific programs.
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 preferred, but the actual requirement may vary based on the loan type and overall credit profile.
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.
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