United FCU
United FCU is an active SBA lender in Michigan, a credit union offering SBA-guaranteed small-business loans. Currently rated 4.1 stars across 116 Google reviews.
$147M
in SBA approvals since 2010
225
SBA loans funded
Hotels & Lodging · General Retail · Restaurants & Food Service
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About United FCU
United FCU offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth, expansion, or operational needs. With a focus on personalized service, they assist clients through the SBA 7(a) loan process, providing flexible terms and competitive rates. Their team is dedicated to helping entrepreneurs access the capital they need to succeed, whether it's for purchasing equipment, real estate, or working capital. Located in Saint Joseph, MI, this financial institution understands the local market and offers expertise in various industries, especially those aligned with their primary NAICS code 812112, which pertains to personal and laundry services. They support businesses across different stages, from startups to established enterprises, ensuring tailored financial solutions. Their commitment to customer service and SBA expertise makes them a strong partner for small business owners looking for reliable funding options.
Serves SBA borrowers in 8 states
United FCU has funded SBA loans for businesses in these states, by borrower location. Tap a state to see every lender serving it.
Industries United FCU finances
Business types United FCU actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about United FCU
What is this place and what can I find here?
This is a financial institution offering SBA lending services, including 7(a) loans, to help small businesses access capital for growth and operational needs. You can find personalized support and guidance throughout the loan process.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins may be accommodated depending on availability.
What are the hours of operation?
United FCU's State Street branch is open Monday–Thursday 9 am–5 pm, Friday 9 am–5:30 pm, and Saturday 9 am–12 pm (closed Sundays). Confirm with the branch for any holiday closures.
Is there a fee to use this?
There may be application and closing fees associated with SBA loans, but these are typically disclosed upfront during the application process.
Who is this open to — anyone, or only residents/members?
This lender primarily serves small business owners in the Saint Joseph area, focusing on local entrepreneurs and residents.
What minimum personal credit score does this lender look for in a guarantor?
A minimum personal credit score of around 650 is generally recommended for loan eligibility.
How long does the traditional underwriting process take from start to close?
The underwriting process typically takes between 30 to 60 days, depending on the complexity of the application and completeness of documentation.
Is this open on weekends?
Yes, United FCU's State Street branch is open Saturday mornings 9 am–12 pm, but closed all day Sunday. Confirm current hours directly.
How do I get there and where do I park?
United FCU is located in Michigan — 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 United FCU, an SBA-participating credit union. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by United FCU itself, which runs its own lending under its own ownership. If you work at United FCU, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for United 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 United FCU before applying. If you represent United FCU, claim this listing to keep its information up to date.
How do I contact this listing directly?
Email United FCU at MemberService@UnitedFCU.com, or call (888) 982-1400 for SBA lending inquiries.
What core industries does this lender traditionally choose to finance?
Based on its approved SBA loans, United FCU most often finances businesses in general retail, restaurants & food service, manufacturing, automotive repair & services, hotels & lodging, and construction & contractors. This reflects United 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 United FCU which sectors 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 United FCU participates in SBA Express depends on its specific SBA lending authority. Contact United 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. United 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. United FCU's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask United 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 United 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 United 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 United 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. United FCU weighs this case by case under its own policy, so be upfront about your history and ask United FCU how it evaluates prior bankruptcies.
