Alliance Credit Union

This is a financial institution offering SBA loan programs designed to support small businesses with funding solutions for growth, equipment, and working capital needs.

It's recommended to schedule an appointment to ensure dedicated service, but walk-ins may be accommodated depending on availability.

Alliance Credit Union's main branch has lobby hours Monday–Friday 8:30 a.m. to 5:30 p.m. and Saturday 8 a.m. to 1 p.m. The Contact Center is available Monday–Friday 7:30 a.m. to 9 p.m. and Saturday 8 a.m. to 1 p.m. Hours vary by branch and service—confirm directly with Alliance Credit Union.

There are fees associated with loan processing and closing, which will be disclosed upfront during the application process.

This institution primarily serves members and residents within its regional service area, but eligibility varies by program.

A minimum personal credit score of around 640 is generally preferred, though specific requirements may vary based on the loan and borrower profile.

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

Yes, Alliance Credit Union is open Saturdays from 8 a.m. to 1 p.m. at lobby locations, with extended availability through 24/7 ALLIANCE Express ITM drive-thrus and a contact center open until 1 p.m. Confirm specific hours for your branch.

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

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

You can reach Alliance Credit Union by phone at (800) 687-4328 or online at alliancecutx.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 Alliance Credit Union before relying on them.

Based on its approved SBA loans, Alliance Credit Union most often finances businesses in construction & contractors, general retail, restaurants & food service, automotive repair & services, salons, spas & personal care, and transportation & trucking. This reflects Alliance Credit Union'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 Alliance Credit Union 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 Alliance Credit Union participates in SBA Express depends on its specific SBA lending authority. Contact Alliance Credit Union 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. Alliance Credit Union 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. Alliance Credit Union's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Alliance Credit Union 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 Alliance Credit Union 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 Alliance Credit Union 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 Alliance Credit Union 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. Alliance Credit Union weighs this case by case under its own policy, so be upfront about your history and ask Alliance Credit Union how it evaluates prior bankruptcies.