America First FCU

This is a financial institution offering SBA loan programs to support small business growth. You can find assistance with funding options like the 7(a) loan, guidance through the application process, and personalized financial solutions tailored to your business needs.

It is recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins may also be accommodated depending on availability. Calling ahead can help streamline your visit and prepare necessary documentation.

The bank operates Monday through Friday from 9:00 AM to 5:00 PM. It is advisable to confirm hours before visiting, as they may vary on holidays or special occasions.

There are application and processing fees associated with SBA loans, which are disclosed upfront. These fees help cover administrative costs and are standard across SBA lending institutions.

This lender primarily serves small business owners and entrepreneurs, with eligibility based on business criteria rather than residency alone. Membership is not required to access their SBA loan programs.

A minimum personal credit score of around 650 is generally preferred, though other factors such as business financials and collateral are also considered.

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

Most credit unions keep weekday business hours and are closed on weekends, and America First FCU 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 America First FCU to confirm current weekend availability before you go.

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

The core details for America First FCU — 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 America First FCU before applying. If you represent America First FCU, claim this listing to keep its information up to date.

You can reach America First FCU by phone at (800) 999-3961 or online at americafirst.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 America First FCU before relying on them.

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