United Community Bank

This is a community bank offering SBA lending solutions designed to support small businesses in their growth and operational needs, providing personalized service and flexible financing options.

You can walk into the branch or schedule an appointment with a banking specialist to discuss your SBA loan needs and get personalized assistance.

United Community Bank's support line is available Monday–Friday 8am–6pm ET and Saturday 9am–12pm ET; please contact your local branch to confirm specific hours, as they may vary by location.

There are no fees for simply visiting or consulting; however, standard loan application and processing fees may apply when pursuing SBA financing.

This bank primarily serves residents and businesses within the Greenville region but welcomes qualified applicants from surrounding areas seeking SBA support.

A minimum personal credit score of 620 is generally required, though higher scores improve approval chances.

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

United Community Bank's support team is available Saturday 9am–12pm ET; verify with your local branch or lending team for weekend lending availability.

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

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

You can reach United Community Bank by phone at (864) 255-7960, or use their contact form at ucbi.com/support/contact-us; ask for their business lending or SBA department for loan inquiries.

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