Unison Bank

This is a bank that offers SBA loan programs and financial services designed to help small and medium-sized businesses access capital for growth and operational needs. You can find personalized guidance and support throughout the loan application process, especially for SBA 7(a) loans. The bank focuses on fostering local economic development in Jamestown and the surrounding region.

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. Calling ahead can help streamline your visit and prepare necessary documentation.

Unison Bank hours vary by branch. Jamestown (ND) operates 9 a.m.–5 p.m. Mondays and 9 a.m.–4 p.m. Tuesday–Friday; Gilbert (AZ), Linton (ND), and Wishek (ND) open 9 a.m.–4 p.m. weekdays. Confirm specific hours with your branch.

There are fees associated with SBA loan applications, including processing and guarantee fees, which vary depending on the loan size and terms. These fees are disclosed during the application process and are part of the overall loan costs.

This bank primarily serves local businesses and residents in the Jamestown area, but SBA loan programs are available to qualifying businesses nationwide. Eligibility depends on meeting specific SBA and bank criteria.

A minimum personal credit score of around 640 is generally recommended, though higher scores improve the likelihood of approval. The bank assesses credit history as part of the overall application review.

The underwriting process typically takes between 30 to 60 days, depending on the complexity of the application and completeness of submitted documentation. Early preparation can help expedite the review.

Most Unison Bank branches maintain weekday hours only. The Jamestown, ND branch offers drive-up service Saturdays 8 a.m.–noon. Confirm weekend availability for your location.

Unison Bank is located in North Dakota — see the contact card for the full address. Most bank 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 Unison Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Unison Bank itself, which runs its own lending under its own ownership. If you work at Unison Bank, you can claim this listing from this page to manage it.

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

You can reach Unison Bank by phone at (701) 253-5600, or email serviceaz@unisonbank.com (Arizona) or service@unisonbank.com (North Dakota). For SBA loans, contact your local branch.

Based on its approved SBA loans, Unison Bank most often finances businesses in restaurants & food service and hotels & lodging. This reflects Unison Bank'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 Unison Bank 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 Unison Bank participates in SBA Express depends on its specific SBA lending authority. Contact Unison Bank 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 banks hold PLP status, but it varies by institution. Unison Bank 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. Unison Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Unison Bank 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 Unison Bank 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 Unison Bank 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 Unison Bank 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. Unison Bank weighs this case by case under its own policy, so be upfront about your history and ask Unison Bank how it evaluates prior bankruptcies.