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Valley First Federal Credit Union

Valley First Federal Credit Union offers comprehensive SBA lending solutions tailored to small and medium-sized businesses. With a focus on supporting local entrepreneurs, they provide funding options that help businesses grow, expand, or start anew. Their team is dedicated to guiding clients through the application process, ensuring smooth access to capital for various business needs. Whether you’re seeking a loan for equipment, real estate, or working capital, they have the expertise to assist. They support SBA 7(a) loans, which are ideal for general business purposes, and have a history of approving large amounts, up to $500,000. Located in Modesto, California, they serve the local community with personalized service and flexible lending options designed to meet the unique needs of each borrower.

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Lender Type

Commercial Bank

Google Rating

3.1

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Question 1

What is this place and what can I find here?

Answer 1

This is a financial institution offering SBA loan programs designed to help small businesses access capital. You can find information about loan options, application processes, and support services tailored to entrepreneurs and business owners.

Question 2

Do I need an appointment or can I walk in?

Answer 2

You can typically walk in for basic inquiries, but for detailed loan discussions or applications, scheduling an appointment is recommended to ensure dedicated assistance.

Question 3

What are the hours of operation?

Answer 3

The branch operates during regular business hours, generally Monday through Friday from 9 am to 5 pm, but it"s best to call ahead for specific hours or to schedule an appointment.

Question 4

Is there a fee to use this?

Answer 4

There are no fees for initial inquiries; however, specific loan processing fees may apply depending on the loan type and amount.

Question 5

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

Answer 5

This institution primarily serves local residents and members of the credit union, but business owners from the surrounding area may also qualify for SBA loan 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 650 is typically preferred, but approval depends on the overall financial profile and business circumstances.

Question 7

How long does the traditional underwriting process take from start to close?

Answer 7

The underwriting process generally takes between 30 to 60 days, depending on the completeness of the application and the complexity of the loan.

Valley First Federal Credit Union

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