Triangle CU

This is a trusted SBA lender offering small business loans, specializing in the SBA 7(a) program, with flexible funding options and personalized service to help your business grow.

It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-in consultations may also be available during business hours.

Triangle CU's contact center hours are Monday–Wednesday 8:30am–5:00pm and Thursday–Friday 8:30am–6:00pm. Call (603) 889-2470 to confirm current availability.

There are no fees to access basic consultation services; however, loan application fees and closing costs may apply depending on the loan program.

This lender primarily serves small business owners within the regional area, but eligibility is based on business criteria and loan program requirements.

A minimum personal credit score of 640 is generally preferred, though other factors such as business financials are also considered.

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

Triangle CU is open on Saturday mornings from 8:00am to 12:00pm; they are closed on Sundays. Confirm with the lender for holiday closures.

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

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

You can reach Triangle CU by phone at (603) 889-2470 or online at trianglecu.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 Triangle CU before relying on them.

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