Numerica CU

This is a financial institution offering SBA loan programs and small business financing solutions to support local entrepreneurs and business growth.

It's recommended to schedule an appointment to ensure dedicated service, but walk-ins may be accommodated depending on availability.

Numerica CU's Sullivan branch operates Monday through Thursday from 9:00 AM to 5:00 PM. Friday the branch is closed. Please confirm current hours directly with the branch.

There are no fees for simply visiting or inquiring; fees may apply for loan processing and services.

This institution primarily serves members and residents within the Spokane Valley region but offers services to qualified small businesses nationwide.

A minimum personal credit score of 650 or higher is generally required for loan approval.

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

Numerica CU's Sullivan branch is open Saturday from 9:00 AM to 1:00 PM and closed on Sunday. Contact the branch to confirm current weekend availability.

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

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

You can reach Numerica CU by phone at (800) 433-1837 or online at numericacu.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 Numerica CU before relying on them.

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