Mazuma CU

This is a financial institution offering SBA-backed loan programs designed to help small businesses access capital for growth, equipment, and real estate needs. You can find information about loan options, application processes, and support services tailored to entrepreneurs and small business owners.

It is recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins may be accommodated depending on availability. Contact the branch in advance for the best experience.

The Overland Park Deer Creek branch has lobby hours from 9:00 AM to 5:00 PM Monday through Friday, and 9:00 AM to 12:00 PM on Saturday. Drive-up teller hours are 9:00 AM to 5:30 PM Monday-Thursday, 9:00 AM to 6:00 PM Friday, and 9:00 AM to 1:00 PM Saturday. Confirm with Mazuma CU as hours may vary.

There are no fees for simply visiting or consulting with the bank; however, loan processing and application fees may apply depending on the services utilized.

This lender primarily serves small business owners and entrepreneurs within their regional area, but eligibility depends on meeting specific loan criteria and creditworthiness.

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

The underwriting process typically takes between two to four weeks, depending on the completeness of the application and the complexity of the loan.

Yes, the Overland Park location is open on Saturday with lobby hours 9:00 AM to 12:00 PM and drive-up hours 9:00 AM to 1:00 PM. It is closed on Sunday. Verify current weekend hours with Mazuma CU.

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

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

You can reach Mazuma CU by phone at (913) 574-5000 or online at mazuma.org — 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 Mazuma CU before relying on them.

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