Park View FCU
Park View FCU is an active SBA lender in Virginia, a credit union offering SBA-guaranteed small-business loans. Currently rated 3.8 stars across 33 Google reviews.
$1M
in SBA approvals since 2011
9
SBA loans funded
Restaurants & Food Service · Cleaning, Landscaping & Janitorial · Mental Health Services
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About Park View FCU
Offering comprehensive financial services tailored for small businesses, this lender specializes in SBA loans to help entrepreneurs grow and succeed. With a focus on supporting local businesses in Harrisonburg and beyond, they provide access to various SBA programs including the popular 7A loan. Whether you're starting a new venture or expanding an existing business, they offer flexible financing options designed to meet your needs. Their team of experienced lenders works closely with clients to navigate the application process, ensuring a smooth experience from start to finish. They also provide guidance on eligibility criteria, loan terms, and repayment options, making it easier for small business owners to access the capital they need. With a commitment to community development and economic growth, this lender is a trusted partner for local entrepreneurs seeking SBA-backed funding solutions.
Common questions about Park View FCU
What is this place and what can I find here?
This is a community-focused financial institution offering SBA-backed loans and small business financing solutions. You can find expert guidance on loan options, application processes, and tailored financial services designed to support local entrepreneurs and small businesses.
Do I need an appointment or can I walk in?
It is recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-in consultations may also be available during business hours.
What are the hours of operation?
Park View FCU's Harmony Square branch operates Monday–Thursday 9:00 AM–5:00 PM, Friday 9:00 AM–6:00 PM, with Saturday lobby appointments available 9:00 AM–12:00 PM. Branch hours may vary; confirm with Park View FCU.
Is there a fee to use this?
There are no fees for initial consultations; however, specific loan products may include application or service fees as outlined in the loan agreement.
Who is this open to — anyone, or only residents/members?
This institution primarily serves members of the community and small business owners in Harrisonburg and the surrounding region, but membership requirements may vary.
What minimum personal credit score does this lender look for in a guarantor?
A minimum personal credit score of 640 is generally preferred, though other factors are also considered during the approval process.
How long does the traditional underwriting process take from start to close?
The underwriting process typically takes between 2 to 4 weeks, depending on the completeness of the application and supporting documentation.
Is this open on weekends?
Park View FCU offers Saturday appointments at select branches from 9:00 AM–12:00 PM for lobby services. Confirm Saturday availability for SBA lending with Park View FCU.
How do I get there and where do I park?
Park View FCU is located in Virginia — 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 Park View FCU, an SBA-participating credit union. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Park View FCU itself, which runs its own lending under its own ownership. If you work at Park View FCU, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Park View 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 Park View FCU before applying. If you represent Park View FCU, claim this listing to keep its information up to date.
How do I contact this listing directly?
Park View FCU can be reached at 540.434.6444 or by email at contactcenter@pvfcu.org. Appointments can be scheduled online. For SBA lending inquiries, confirm with Park View FCU.
What core industries does this lender traditionally choose to finance?
Like most SBA lenders, Park View FCU can finance a broad range of small businesses — common categories include professional services, healthcare practices, restaurants and franchises, retail, light manufacturing, and commercial real estate. Each credit union sets its own industry preferences and may avoid sectors it considers higher risk. Ask Park View FCU directly which industries 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 Park View FCU participates in SBA Express depends on its specific SBA lending authority. Contact Park View 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. Park View 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. Park View FCU's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Park View 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 Park View 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 Park View 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 Park View 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. Park View FCU weighs this case by case under its own policy, so be upfront about your history and ask Park View FCU how it evaluates prior bankruptcies.
