Truliant FCU

This is a commercial bank that specializes in SBA loans, offering small businesses access to funding for growth, real estate, and equipment needs. They provide personalized service and support clients through the entire loan process.

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.

The bank operates Monday through Friday from 9:00 AM to 5:00 PM, with additional hours by appointment.

There are no fees for initial inquiries; however, loan processing and closing may include standard origination and service fees.

This bank primarily serves small business owners within its geographic region, but membership and eligibility requirements apply for specific loan programs.

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

The underwriting process typically takes between 30 to 60 days, depending on the complexity of the loan and completeness of the application.

Most credit unions keep weekday business hours and are closed on weekends, and Truliant 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 Truliant FCU to confirm current weekend availability before you go.

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

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

You can reach Truliant FCU by phone at (800) 822-0382 or online at truliantfcu.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 Truliant FCU before relying on them.

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