Ventura County CU

This is a community-focused financial institution offering SBA loan programs and personalized banking services to small businesses in Ventura and surrounding areas.

It is recommended to schedule an appointment to ensure dedicated time with a loan specialist, but walk-in consultations may also be available during business hours.

The branch operates Monday through Friday from 9:00 AM to 5:00 PM, with special hours on select days; please contact the branch for exact times.

There are no fees for initial consultations; however, certain loan processing fees may apply depending on the services used.

This institution primarily serves members and residents of the Ventura community, with some services available to non-members upon request.

A minimum personal credit score of 640 is generally preferred, but other factors such as business performance and collateral are also considered.

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

Most credit unions keep weekday business hours and are closed on weekends, and Ventura County CU typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call Ventura County CU to confirm current weekend availability before you go.

Ventura County CU is located in California — 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.

This page is an independent directory listing for Ventura County CU, an SBA-participating credit union. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Ventura County CU itself, which runs its own lending under its own ownership. If you work at Ventura County CU, you can claim this listing from this page to manage it.

The core details for Ventura County CU — 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 Ventura County CU before applying. If you represent Ventura County CU, claim this listing to keep its information up to date.

You can reach Ventura County CU by phone at (800) 339-0496 or online at vccuonline.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 Ventura County CU before relying on them.

Based on its approved SBA loans, Ventura County CU most often finances businesses in restaurants & food service. This reflects Ventura County CU'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 Ventura County CU which sectors it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Ventura County CU participates in SBA Express depends on its specific SBA lending authority. Contact Ventura County CU and ask if it offers SBA Express and what the current limits and terms look like for your situation.

Ventura County CU is approved to offer SBA loan products under the SBA's Preferred Lender Program, which allows faster loan decisions because the lender can approve loans in-house without sending each one to the SBA. Confirm the current status and which specific programs they offer by contacting them directly.

Ventura County CU offers loans that can help small businesses cover start-up costs through state and federally-backed SBA products. Confirm startup eligibility and requirements with their commercial lending specialists.

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 Ventura County CU what down payment it expects for your specific commercial real estate purchase.

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 Ventura County CU to spell out any prepayment penalties before you sign.

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 Ventura County CU to confirm it qualifies and how to document it.

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. Ventura County CU weighs this case by case under its own policy, so be upfront about your history and ask Ventura County CU how it evaluates prior bankruptcies.