VIA CU

This is a commercial bank offering SBA loan programs and business financing solutions designed to support small and medium-sized enterprises in the local area and beyond.

It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins may be accommodated based on availability.

The bank operates from 9:00 AM to 5:00 PM, Monday through Friday, with extended hours by appointment upon request.

There are no fees for simply visiting the bank; fees may apply for specific services or loan processing, which will be disclosed upfront.

This bank primarily serves local residents and business owners, but eligibility for loans extends to qualified applicants nationwide.

A minimum personal credit score of 640 is typically required to qualify for SBA loans through this bank.

The underwriting process generally takes between 30 to 45 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 VIA 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 VIA CU to confirm current weekend availability before you go.

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

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

You can reach VIA CU by phone at (765) 674-6631, toll-free at 1-877-673-3284, or email skemp@viacu.org for business lending inquiries. Please confirm current contact details with VIA CU.

Like most SBA lenders, VIA CU 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 VIA CU directly which industries 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 VIA CU participates in SBA Express depends on its specific SBA lending authority. Contact VIA CU and ask if it offers SBA Express and what the current limits and terms look like for your situation.

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. VIA CU can confirm its current PLP standing — ask before you apply if speed matters to you.

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. VIA CU's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask VIA CU directly whether it considers start-up loans.

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