BankUnited, National Association

This is a resource for small business owners seeking SBA loans and financial support. You can find information about loan programs, application processes, and how to get funding for your business growth.

It is recommended to schedule an appointment to ensure dedicated assistance, but walk-in consultations may be available during business hours depending on the branch's policies.

BankUnited's The Bridge location is open Monday through Friday from 9am to 5pm and closed on weekends. Please contact the branch directly at (786) 313-1010 to confirm hours or schedule an appointment.

There are no fees for accessing general information, but loan applications and processing may involve fees such as guarantee fees, closing costs, or service charges depending on the loan type.

This service is open to small business owners and entrepreneurs seeking SBA financing, regardless of residency, as long as they meet the eligibility criteria.

A minimum personal credit score of around 640 is generally preferred, though higher scores may improve approval chances.

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

BankUnited's The Bridge location is closed on weekends. SBA lending services are available Monday through Friday. Please contact the branch directly to confirm availability.

BankUnited, National Association is located in Florida — see the contact card for the full address. Most bank 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 BankUnited, National Association, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by BankUnited, National Association itself, which runs its own lending under its own ownership. If you work at BankUnited, National Association, you can claim this listing from this page to manage it.

The core details for BankUnited, National Association — 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 BankUnited, National Association before applying. If you represent BankUnited, National Association, claim this listing to keep its information up to date.

Contact BankUnited's The Bridge location by phone at (786) 313-1010 or submit an inquiry at bankunited.com/contact-us. Confirm your specific SBA loan needs with them directly.

Based on its approved SBA loans, BankUnited, National Association most often finances businesses in hotels & lodging, restaurants & food service, wholesale & distribution, general retail, construction & contractors, and medical practices & clinics. This reflects BankUnited, National Association'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 BankUnited, National Association 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 BankUnited, National Association participates in SBA Express depends on its specific SBA lending authority. Contact BankUnited, National Association 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 banks hold PLP status, but it varies by institution. BankUnited, National Association 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. BankUnited, National Association's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask BankUnited, National Association 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 BankUnited, National Association 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 BankUnited, National Association 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 BankUnited, National Association 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. BankUnited, National Association weighs this case by case under its own policy, so be upfront about your history and ask BankUnited, National Association how it evaluates prior bankruptcies.