Mountain America FCU

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.

Ask Mountain America FCU directly — some branches take walk-ins, others book SBA conversations by appointment.

Hours vary by branch and change. Check Mountain America FCU's website or call before you visit.

Browsing this directory is free. Any loan fees are set by Mountain America FCU and the SBA program — ask the lender for its current schedule.

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.

Many SBA lenders look for a personal score around 640 or higher, but each bank sets its own bar and it changes. Ask Mountain America FCU what it looks for today.

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.

Most bank SBA teams work weekdays; confirm with Mountain America FCU before planning a weekend visit.

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.

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.

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.

You can reach Mountain America FCU by phone at (801) 619-7349 or online at www.macu.com/branch-locations/utah/salt-lake-county/sandy-9640-south-state-branch?cid=ea-gmb-website-link — the same details are in the contact card on this page.

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.

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.

Whether Mountain America FCU has SBA Preferred Lender (PLP) status is set by the SBA. Ask the bank directly; PLP lenders can approve in-house and often move faster.

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.

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.

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.

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.

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.