Gather FCU

This is a community-focused financial institution offering SBA-backed loans and personalized business financing solutions tailored to local small businesses and entrepreneurs.

It is recommended to schedule an appointment to ensure dedicated service, but walk-ins are also welcome during business hours.

The bank operates Monday through Friday from 9:00 AM to 4:00 PM, with extended hours by appointment.

There are standard fees associated with loan processing and origination, which will be clearly outlined during the application process.

This institution primarily serves local residents and members of the community, with a focus on supporting small businesses in the area.

A minimum personal credit score of 640 or higher is generally required for loan consideration.

The underwriting process typically takes between 30 to 45 days, depending on the completeness of your application and documentation.

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

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

The core details for Gather 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 Gather FCU before applying. If you represent Gather FCU, claim this listing to keep its information up to date.

Email: info@gatherfcu.org. Phone remains (808) 245-6791.

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