Adventure CU

This is a financial institution offering SBA loan programs and small business financing services. You can find assistance with loan applications, guidance on SBA programs like the 7(a), and personalized support for your business funding needs.

It is recommended to schedule an appointment to ensure dedicated time with a lending specialist, but walk-ins may be accommodated depending on availability.

Typically, their hours are Monday through Friday from 9:00 AM to 5:00 PM, but it’s best to contact them directly for specific hours.

There are no fees to visit or consult; however, loan processing involves standard SBA fees and closing costs depending on the specific loan terms.

This institution primarily serves small business owners and entrepreneurs in the Michigan area, especially those who meet their lending criteria.

A minimum personal credit score of around 640 is typically required, though higher scores improve approval chances.

The underwriting process generally 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 Adventure 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 Adventure CU to confirm current weekend availability before you go.

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

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

You can reach Adventure CU by phone at (800) 323-2129 or online at adventurecu.org — 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 Adventure CU before relying on them.

Like most SBA lenders, Adventure 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 Adventure 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 Adventure CU participates in SBA Express depends on its specific SBA lending authority. Contact Adventure 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. Adventure 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. Adventure CU's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Adventure 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 Adventure 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 Adventure 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 Adventure 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. Adventure CU weighs this case by case under its own policy, so be upfront about your history and ask Adventure CU how it evaluates prior bankruptcies.