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Valley Isle Community FCU

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Description

Valley Isle Community FCU offers comprehensive financial services tailored to small businesses seeking SBA-backed loans. With a focus on supporting local entrepreneurs, this institution provides various funding options including SBA 7(a) loans, which are ideal for business expansion, equipment purchase, or working capital needs. Their experienced team guides clients through the application process, ensuring a smooth experience from start to finish. The credit union is committed to fostering economic growth within the Kahului community and beyond, providing personalized service and flexible lending solutions. Whether you’re a startup or an established business looking to scale, Valley Isle Community FCU aims to meet your financial needs with competitive rates and dedicated support. They also support other SBA programs, making them a versatile partner for various business financing requirements. Their friendly staff is ready to assist entrepreneurs in navigating the complexities of SBA lending, helping you access the capital necessary to achieve your business goals.

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Q&A

Lender Type
Commercial Bank
Google Rating
3.5
Google Review Count
13
Question 1
What is this place and what can I find here?
Answer 1
This is a community-focused financial institution that provides SBA-backed loans and small business financing options. You can find personalized support and guidance for your business funding needs here.
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 are also welcome during business hours.
Question 3
What are the hours of operation?
Answer 3
The hours are typically Monday through Friday, 9 am to 5 pm, but it"s best to call ahead for specific times.
Question 4
Is there a fee to use this?
Answer 4
There may be fees associated with loan processing and closing, which will be detailed during your application process.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This institution primarily serves members of the community and local small businesses, but membership eligibility may vary.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of 620 is generally preferred for loan qualification.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process typically takes 2 to 4 weeks, depending on the completeness of your application and documentation.
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