Frontwave Credit Union

This is a financial institution that offers SBA loan programs and small business financing solutions, providing personalized support to help entrepreneurs grow and succeed.

It is recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins may be accommodated depending on availability.

Typically, they operate Monday through Friday from 9 am to 5 pm, but it's best to confirm directly with the branch for specific hours.

There are no fees for initial consultations; however, loan processing and service fees may apply depending on the loan type.

This institution primarily serves members and residents of the local community, but eligibility varies based on loan programs.

A minimum personal credit score of around 650 is generally preferred, though other factors are also considered.

The underwriting process typically takes 2 to 4 weeks, depending on the complexity of the application and completeness of documentation.

Most credit unions keep weekday business hours and are closed on weekends, and Frontwave Credit Union 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 Frontwave Credit Union to confirm current weekend availability before you go.

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

The core details for Frontwave Credit Union — 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 Frontwave Credit Union before applying. If you represent Frontwave Credit Union, claim this listing to keep its information up to date.

You can reach Frontwave Credit Union by phone at (800) 736-4500 or online at frontwavecu.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 Frontwave Credit Union before relying on them.

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