Align Credit Union
Align Credit Union is an active SBA lender in Massachusetts, a credit union offering SBA-guaranteed small-business loans. Currently rated 4.6 stars across 98 Google reviews.
$7M
in SBA approvals since 2010
41
SBA loans funded
General Retail · Cleaning, Landscaping & Janitorial · Construction & Contractors
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About Align Credit Union
Align Credit Union offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth and development. With a focus on personalized service, they provide a variety of loan options including the SBA 7(a) program, which is ideal for working capital, equipment purchases, and expansion needs. Their experienced team works closely with borrowers to understand their unique business goals and financial situation, ensuring a smooth application process. Located in Lowell, Massachusetts, they serve a broad range of industries, with particular strength in commercial real estate and construction sectors. The credit union is committed to supporting local businesses by offering flexible terms and competitive rates, making it a reliable partner for entrepreneurs looking to access SBA financing. Whether you're starting a new venture or expanding an existing business, Align Credit Union provides the resources and expertise to help you succeed.
Serves SBA borrowers in 2 states
Align Credit Union has funded SBA loans for businesses in these states, by borrower location. Tap a state to see every lender serving it.
Common questions about Align Credit Union
What is this place and what can I find here?
This is a financial institution offering SBA loan programs and personalized lending services to small businesses in the local and regional area.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment, but walk-in consultations may be available during business hours.
What are the hours of operation?
Typically, they operate from 9:00 AM to 5:00 PM, Monday through Friday, but it's best to contact the branch for specific hours.
Is there a fee to use this?
There are no fees to visit or consult; however, loan applications may involve standard processing fees.
Who is this open to — anyone, or only residents/members?
This lender primarily serves members of the credit union and local small business owners within their service region.
What minimum personal credit score does this lender look for in a guarantor?
A minimum personal credit score of around 640 is generally preferred for loan consideration.
How long does the traditional underwriting process take from start to close?
The process typically takes 2 to 4 weeks, depending on the completeness of your application and supporting documents.
Is this open on weekends?
Most credit unions keep weekday business hours and are closed on weekends, and Align Credit Union 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 Align Credit Union to confirm current weekend availability before you go.
How do I get there and where do I park?
Align Credit Union is located in Massachusetts — 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.
Who owns or operates this listing?
This page is an independent directory listing for Align Credit Union, an SBA-participating credit union. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Align Credit Union itself, which runs its own lending under its own ownership. If you work at Align Credit Union, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Align Credit Union — 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 Align Credit Union before applying. If you represent Align Credit Union, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach Align Credit Union by phone at (800) 942-9575 or online at aligncu.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 Align Credit Union before relying on them.
What core industries does this lender traditionally choose to finance?
Like most SBA lenders, Align Credit Union 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 Align Credit Union directly which industries it actively lends to before you apply.
Can I apply for an SBA Express line of credit at this lender?
SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Align Credit Union participates in SBA Express depends on its specific SBA lending authority. Contact Align Credit Union and ask if it offers SBA Express and what the current limits and terms look like for your situation.
Does this lender have Preferred Lender Provider status with the government?
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. Align Credit Union can confirm its current PLP standing — ask before you apply if speed matters to you.
Are start-up companies eligible for financing at this lender?
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. Align Credit Union's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Align Credit Union directly whether it considers start-up loans.
What are the typical down payment expectations for commercial real estate acquisitions?
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 Align Credit Union what down payment it expects for your specific commercial real estate purchase.
Does this lender impose prepayment penalties on short-term working capital facilities?
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 Align Credit Union to spell out any prepayment penalties before you sign.
Can I use loan proceeds from this lender to buy out an existing equity partner?
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 Align Credit Union to confirm it qualifies and how to document it.
Will historical personal bankruptcies automatically disqualify my loan application here?
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. Align Credit Union weighs this case by case under its own policy, so be upfront about your history and ask Align Credit Union how it evaluates prior bankruptcies.
