Fibre FCU
Fibre FCU is an active SBA lender in Washington, a credit union offering SBA-guaranteed small-business loans. Currently rated 4.8 stars across 1849 Google reviews.
$5M
in SBA approvals since 2024
7
SBA loans funded
Hotels & Lodging · Bars & Nightlife · Restaurants & Food Service
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About Fibre FCU
Fibre FCU offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth and expansion. With a focus on personalized service, the institution provides a range of loan options including SBA 7(a) loans, which are ideal for working capital, equipment, and real estate purchases. Their experienced team guides clients through the application process, ensuring clarity and efficiency from start to finish. Located in Longview, WA, they serve local businesses with a commitment to fostering economic development in the region. The bank's expertise in SBA programs helps entrepreneurs access funding with favorable terms and flexible repayment options. Whether you're a startup or an established business, Fibre FCU aims to meet your unique financing needs with professionalism and local insight. They support loans up to $858,000, making them a strong partner for various business sizes and industries. Their dedicated staff understands the nuances of SBA lending and works closely with clients to secure the best possible loan terms, ensuring your business can thrive and grow.
Common questions about Fibre FCU
What is this place and what can I find here?
This is a trusted SBA lender offering small business financing solutions, including SBA 7(a) loans, with personalized service and local expertise to help your business grow.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to ensure dedicated time with a loan specialist, but walk-ins may be accommodated depending on availability.
What are the hours of operation?
The Main Financial Services Center has lobby hours Monday–Friday 9:00am–5:30pm, with drive-through service Monday–Saturday 7:30am–6:30pm. Contact Fibre FCU at (800) 205-7872 to confirm current hours.
Is there a fee to use this?
There may be application and processing fees associated with SBA loans; specific fee details will be provided during the consultation.
Who is this open to — anyone, or only residents/members?
This lender primarily serves small businesses in the Longview region, but eligibility is based on business criteria rather than residency alone.
What minimum personal credit score does this lender look for in a guarantor?
A minimum personal credit score of 620 is generally required, though higher scores improve approval chances.
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 documentation and loan complexity.
Is this open on weekends?
The Main Financial Services Center lobby is closed weekends, but the drive-through is open Saturday 7:30am–6:30pm. Sunday is closed. Confirm with Fibre FCU for current weekend availability.
How do I get there and where do I park?
Fibre FCU is located in Washington — 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 Fibre FCU, an SBA-participating credit union. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Fibre FCU itself, which runs its own lending under its own ownership. If you work at Fibre FCU, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Fibre 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 Fibre FCU before applying. If you represent Fibre FCU, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach Fibre FCU by phone at (800) 205-7872 or online at fibrecu.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 Fibre FCU before relying on them.
What core industries does this lender traditionally choose to finance?
Like most SBA lenders, Fibre FCU 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 Fibre FCU 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 Fibre FCU participates in SBA Express depends on its specific SBA lending authority. Contact Fibre FCU 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. Fibre FCU 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. Fibre FCU's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Fibre FCU 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 Fibre FCU 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 Fibre FCU 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 Fibre FCU 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. Fibre FCU weighs this case by case under its own policy, so be upfront about your history and ask Fibre FCU how it evaluates prior bankruptcies.
