Cache Valley Bank

This is a local bank offering SBA loan programs and personalized financial services for small and medium-sized businesses. You can find support for business growth, real estate, equipment financing, and working capital needs.

It's recommended to schedule an appointment to ensure dedicated service, but walk-ins are also welcome during business hours. Contact the bank ahead of your visit for the best experience.

Cache Valley Bank Logan Main lobby operates Mon–Thu 9 AM–5 PM and Friday 9 AM–6 PM; drive-up hours are Mon–Fri 9 AM–6 PM. Confirm with the bank for any holiday adjustments.

There are no fees for simply visiting or consulting with the bank. Loan application and processing fees may apply depending on the specific financing product.

This bank primarily serves local residents and businesses in the Logan area, but they may also work with out-of-area clients depending on the loan program and qualification criteria.

A minimum personal credit score of around 640 is typically required, but final decisions depend on overall creditworthiness and business strength.

The underwriting process generally takes between 2 to 4 weeks, depending on the completeness of your application and supporting documents.

Cache Valley Bank's Logan Main drive-up window is open Saturday 9 AM–1 PM, though lobby services are weekdays only. Confirm Saturday availability for your specific needs.

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

The core details for Cache Valley Bank — 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 Cache Valley Bank before applying. If you represent Cache Valley Bank, claim this listing to keep its information up to date.

You can reach Cache Valley Bank by phone at (435) 753-3020 or online at cachevalleybank.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 Cache Valley Bank before relying on them.

Based on its approved SBA loans, Cache Valley Bank most often finances businesses in construction & contractors, medical practices & clinics, manufacturing, general retail, restaurants & food service, and automotive repair & services. This reflects Cache Valley Bank'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 Cache Valley Bank which sectors it actively lends to before you apply.

Cache Valley Bank offers SBA Express loans as part of its SBA lending programs for business acquisitions and operating capital. Contact the bank for current terms and maximum loan amounts.

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. Cache Valley Bank 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. Cache Valley Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Cache Valley Bank 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 Cache Valley Bank 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 Cache Valley Bank 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 Cache Valley Bank 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. Cache Valley Bank weighs this case by case under its own policy, so be upfront about your history and ask Cache Valley Bank how it evaluates prior bankruptcies.