US Eagle FCU
US Eagle FCU is an active SBA lender in New Mexico, a credit union offering SBA-guaranteed small-business loans. Currently rated 3.6 stars across 10 Google reviews.
$163M
in SBA approvals since 2010
85
SBA loans funded
Hotels & Lodging · Medical Practices & Clinics · Transportation & Trucking
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About US Eagle FCU
US Eagle FCU offers comprehensive SBA lending options tailored to small businesses seeking financial growth and stability. With a focus on supporting local entrepreneurs, the institution provides flexible loan programs including the SBA 7(a) loan, which can be used for a variety of business purposes such as expansion, equipment purchase, or working capital. Their experienced team guides clients through the application process, ensuring quick and efficient approval for loans up to $2,600,000. Located in Albuquerque, they serve a broad range of industries, emphasizing personalized service and community investment. As a federal credit union, they prioritize member needs and foster strong relationships with local businesses, helping them achieve their growth objectives with competitive rates and terms.
Serves SBA borrowers in 6 states
US Eagle FCU has funded SBA loans for businesses in these states, by borrower location. Tap a state to see every lender serving it.
Industries US Eagle FCU finances
Business types US Eagle FCU actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about US Eagle FCU
What is this place and what can I find here?
This is a financial institution offering SBA loan programs and small business financing solutions to help entrepreneurs grow and succeed in their ventures.
Do I need an appointment or can I walk in?
It is recommended to schedule an appointment to ensure dedicated time with a loan specialist, but walk-ins may be accommodated based on availability.
What are the hours of operation?
Typically, they operate from 9 AM to 5 PM, Monday through Friday, but it's best to contact them directly for specific hours.
Is there a fee to use this?
There may be fees associated with certain services or loan processing, which will be disclosed during the application process.
Who is this open to — anyone, or only residents/members?
This institution primarily serves members and small business owners in the local community and nationwide through SBA programs.
What minimum personal credit score does this lender look for in a guarantor?
A minimum personal credit score of around 650 is generally preferred, though other factors are also considered.
How long does the traditional underwriting process take from start to close?
The process typically takes between 2 to 4 weeks, depending on the complexity of the application and completeness of documentation.
Is this open on weekends?
Most credit unions keep weekday business hours and are closed on weekends, and US Eagle 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 US Eagle FCU to confirm current weekend availability before you go.
How do I get there and where do I park?
US Eagle FCU is located in New Mexico — 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 US Eagle FCU, an SBA-participating credit union. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by US Eagle FCU itself, which runs its own lending under its own ownership. If you work at US Eagle FCU, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for US Eagle 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 US Eagle FCU before applying. If you represent US Eagle FCU, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach US Eagle FCU by phone at (505) 342-8888 or online at useagle.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 US Eagle FCU before relying on them.
What core industries does this lender traditionally choose to finance?
Based on its approved SBA loans, US Eagle FCU most often finances businesses in medical practices & clinics, fitness & recreation, and restaurants & food service. This reflects US Eagle 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 US Eagle 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 US Eagle FCU participates in SBA Express depends on its specific SBA lending authority. Contact US Eagle 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. US Eagle 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. US Eagle FCU's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask US Eagle 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 US Eagle 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 US Eagle 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 US Eagle 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. US Eagle FCU weighs this case by case under its own policy, so be upfront about your history and ask US Eagle FCU how it evaluates prior bankruptcies.
