Arsenal CU
Arsenal CU is an active SBA lender in Missouri, a credit union offering SBA-guaranteed small-business loans. Currently rated 4.5 stars across 307 Google reviews.
$925K
in SBA approvals since 2011
9
SBA loans funded
Wholesale & Distribution · Construction & Contractors · Veterinary Services
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About Arsenal CU
Offering comprehensive SBA lending services, this financial institution specializes in supporting small businesses through various loan programs. With a focus on the SBA 7(a) loan program, it provides flexible financing options to help entrepreneurs grow and expand their operations. The bank is committed to serving the local community in Arnold, Missouri, and has a strong track record of approving loans up to $50,000 for qualifying businesses. Its experienced staff guides clients through the application process, ensuring they understand the requirements and benefits of SBA loans. Whether you're seeking start-up capital, working capital, or equipment financing, this lender aims to meet your business needs with personalized service and competitive terms. The bank also offers advice on credit requirements and helps streamline the approval process to get funds into your hands quickly. With a focus on small business success, it is dedicated to fostering economic growth in the region and building lasting client relationships.
Common questions about Arsenal CU
What is this place and what can I find here?
This is a local SBA lender offering small business loans, including the popular 7(a) program. You can find assistance with financing for startups, expansions, and equipment purchases tailored to your business needs.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins may be accommodated depending on availability.
What are the hours of operation?
Arsenal CU branch hours are Monday-Thursday 9:00 a.m. to 5:00 p.m., Friday 9:00 a.m. to 6:00 p.m., and Saturday 9:00 a.m. to noon. Main office hours are Monday-Friday 8:00 a.m. to 6:00 p.m. Confirm with your local branch before visiting.
Is there a fee to use this?
There are no fees to access general information, but loan application and processing fees may apply depending on the specific loan terms.
Who is this open to — anyone, or only residents/members?
This lender primarily serves small businesses in the Arnold, MO area and surrounding regions, focusing on local entrepreneurs and residents.
What minimum personal credit score does this lender look for in a guarantor?
A minimum personal credit score of 620 is generally required to qualify for SBA loans with this lender.
How long does the traditional underwriting process take from start to close?
The underwriting process typically takes between 30 to 45 days, depending on the completeness of your application and documentation.
Is this open on weekends?
Yes, Arsenal CU is open on Saturdays from 9:00 a.m. to noon at its branch locations. Confirm holiday hours with your local branch.
How do I get there and where do I park?
Arsenal CU is located in Missouri — 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 Arsenal CU, an SBA-participating credit union. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Arsenal CU itself, which runs its own lending under its own ownership. If you work at Arsenal CU, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Arsenal 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 Arsenal CU before applying. If you represent Arsenal CU, claim this listing to keep its information up to date.
How do I contact this listing directly?
Contact Arsenal CU at (314) 962-6363, via live chat during business hours, or through their online contact form at arsenalcu.com/contact. For SBA loans, ask for the business lending department. Confirm current contact methods with the credit union.
What core industries does this lender traditionally choose to finance?
Like most SBA lenders, Arsenal 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 Arsenal CU 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 Arsenal CU participates in SBA Express depends on its specific SBA lending authority. Contact Arsenal CU 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. Arsenal CU 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. Arsenal CU's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Arsenal CU 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 Arsenal CU 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 Arsenal CU 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 Arsenal CU 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. Arsenal CU weighs this case by case under its own policy, so be upfront about your history and ask Arsenal CU how it evaluates prior bankruptcies.
