Mountain America FCU
Mountain America FCU is an active SBA lender in Utah, a credit union offering SBA-guaranteed small-business loans. Currently rated 3.7 stars across 152 Google reviews.
$952M
in SBA approvals since 2010
2,662
SBA loans funded
Construction & Contractors · Hotels & Lodging · Medical Practices & Clinics
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About Mountain America FCU
Offering comprehensive SBA lending services, this financial institution specializes in providing small business loans to support growth and development. With a focus on the SBA 7(a) program, it helps entrepreneurs secure funding for various needs such as working capital, equipment purchase, or real estate acquisition. The bank's experienced team guides clients through the application process, ensuring a smooth experience from start to finish. Their flexible loan options and competitive terms make them a preferred choice for small business owners seeking reliable financing solutions. Located conveniently in Sandy, Utah, the bank is committed to fostering local economic growth while serving a diverse range of industries. Whether you're a startup or an established business, they offer tailored financial products to meet your unique needs. The institution prides itself on personalized service, quick approval times, and a deep understanding of small business challenges. Their support extends to various sectors, with a particular strength in healthcare, retail, and professional services. By leveraging their SBA expertise, clients benefit from favorable terms, lower down payments, and longer repayment periods. This bank also offers guidance on credit requirements and eligibility, helping businesses prepare for successful loan applications. Overall, they are dedicated to empowering small businesses and contributing to community prosperity through accessible and effective financing options.
Serves SBA borrowers in 9 states
Mountain America FCU has funded SBA loans for businesses in these states, by borrower location. Tap a state to see every lender serving it.
Industries Mountain America FCU finances
Business types Mountain America FCU actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about Mountain America FCU
What is this place and what can I find here?
This is a bank that offers SBA small business loans and financial services designed to help entrepreneurs grow and succeed. You can find assistance with loan applications, financial planning, and business growth strategies tailored to small businesses in the region.
Do I need an appointment or can I walk in?
It is recommended to schedule an appointment to ensure dedicated time with a loan specialist, but walk-ins may be accommodated based on availability. Calling ahead can help streamline your visit and prepare necessary documentation.
What are the hours of operation?
Typically, the bank operates from 9:00 AM to 5:00 PM, Monday through Friday. It's best to confirm hours directly with the branch or schedule an appointment in advance.
Is there a fee to use this?
There are no fees for visiting the bank; however, loan processing and application fees may apply depending on the services used. It's advisable to discuss fee structures during your consultation.
Who is this open to — anyone, or only residents/members?
This bank primarily serves small business owners and members within its service region. Business eligibility depends on meeting SBA and internal criteria, but the general public can access their services with proper documentation.
What minimum personal credit score does this lender look for in a guarantor?
A minimum personal credit score of approximately 650 is typically required, though higher scores can improve approval chances and loan terms. Credit history and overall financial health are also considered.
How long does the traditional underwriting process take from start to close?
The underwriting process generally takes between 30 to 60 days, depending on the complexity of the application and completeness of documentation. Working closely with the bank can help expedite approval.
Is this open on weekends?
Most credit unions keep weekday business hours and are closed on weekends, and Mountain America 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 Mountain America FCU to confirm current weekend availability before you go.
How do I get there and where do I park?
Mountain America FCU is located in Utah — 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 Mountain America FCU, an SBA-participating credit union. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Mountain America FCU itself, which runs its own lending under its own ownership. If you work at Mountain America FCU, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Mountain America 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 Mountain America FCU before applying. If you represent Mountain America FCU, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach Mountain America FCU by phone at (801) 619-7349 or online at macu.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 Mountain America FCU before relying on them.
What core industries does this lender traditionally choose to finance?
Based on its approved SBA loans, Mountain America FCU most often finances businesses in construction & contractors, restaurants & food service, general retail, medical practices & clinics, manufacturing, and transportation & trucking. This reflects Mountain America 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 Mountain America FCU which sectors 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 Mountain America FCU participates in SBA Express depends on its specific SBA lending authority. Contact Mountain America 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. Mountain America 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. Mountain America FCU's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Mountain America 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 Mountain America 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 Mountain America 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 Mountain America 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. Mountain America FCU weighs this case by case under its own policy, so be upfront about your history and ask Mountain America FCU how it evaluates prior bankruptcies.
