Achieva CU

This is a financial institution offering SBA loan programs and banking services designed to support small businesses in securing funding for growth and operations.

It is recommended to schedule an appointment to ensure dedicated service, but walk-ins are also welcome at their branch location.

The branch operates from 9:00 AM to 5:00 PM, Monday through Friday, with special hours on select days.

There may be fees associated with loan applications and processing, which will be disclosed during the consultation.

This institution primarily serves members and residents of the local community, but business clients from outside the area may also qualify.

A minimum personal credit score of 620 is generally required for loan approval.

The underwriting process typically 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 Achieva 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 Achieva CU to confirm current weekend availability before you go.

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

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

You can reach Achieva CU by phone at (727) 431-7597 or online at achievacu.com — 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 Achieva CU before relying on them.

Based on its approved SBA loans, Achieva CU most often finances businesses in medical practices & clinics, restaurants & food service, and childcare & early education. This reflects Achieva 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 Achieva 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 Achieva CU participates in SBA Express depends on its specific SBA lending authority. Contact Achieva 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. Achieva 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. Achieva CU's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Achieva 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 Achieva 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 Achieva 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 Achieva 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. Achieva CU weighs this case by case under its own policy, so be upfront about your history and ask Achieva CU how it evaluates prior bankruptcies.