United Fidelity Bank, FSB

This is a financial institution offering SBA loan programs and business financing solutions. You can find information about different loan options, application processes, and personalized support for your business needs.

It is recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-in consultations may also be accommodated based on availability.

United Fidelity Bank, FSB's customer service is available Monday through Friday from 7:00 AM to 5:00 PM Central Time. Confirm with the bank for specific banking center hours.

There are no fees to inquire about SBA loans, but specific loan applications and processing may involve standard fees associated with SBA financing.

This bank primarily serves local residents and business owners within the Evansville region, but they also welcome inquiries from qualified businesses outside the immediate area.

A minimum personal credit score of approximately 640 is generally preferred, though the exact requirement may vary based on the loan and borrower profile.

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

Most banks keep weekday business hours and are closed on weekends, and United Fidelity Bank, FSB 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 United Fidelity Bank, FSB to confirm current weekend availability before you go.

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

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

You can reach United Fidelity Bank, FSB by phone at (812) 424-0921 or online at unitedfidelity.com — 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 United Fidelity Bank, FSB before relying on them.

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