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United FCU

SAINT JOSEPH, MI 49085

⭐ SBA Preferred Lender
79
Loans Approved
$90.5M
Total Volume
$1.1M
Avg Loan Size
17
States Served

States Served

ArkansasFloridaGeorgiaIndianaMichiganMinnesotaMissouriNorth CarolinaNew JerseyNevadaNew YorkOhioPennsylvaniaSouth CarolinaTexasVirginiaWisconsin

Top Industries Financed

  • Hotels (except Casino Hotels) and Motels
  • Limited-Service Restaurants
  • Full-Service Restaurants
  • Beauty Salons
  • Postharvest Crop Activities (except Cotton Ginning)

Quick Summary

United FCU is an SBA-approved lender headquartered in SAINT JOSEPH, Michigan. They are an SBA Preferred Lender, meaning they can approve loans without prior SBA review. Since 2020, they have approved 79 SBA 7(a) loans totaling $90.5M, with an average loan size of $1.1M. They serve businesses across 17 states.

About United FCU

United FCU is an SBA-approved lender headquartered in SAINT JOSEPH, Michigan. Since 2020, they have approved 79 SBA 7(a) loans totaling $90.5M, with an average loan size of $1.1M. As an SBA Preferred Lender, they have delegated authority to approve SBA loans without prior SBA review, resulting in faster processing times. They serve businesses across 17 states.

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Helpful SBA Borrower Guides

SBA 7(a) RequirementsDocuments ChecklistHow to Choose a Lender

Frequently Asked Questions

Is United FCU an SBA Preferred Lender?

Yes, United FCU is an SBA Preferred Lender (PLP). This means they have delegated authority from the SBA to approve loans without prior SBA review, resulting in faster approvals — typically 7–10 business days instead of 4–6 weeks.

How many SBA loans has United FCU approved?

According to SBA FOIA public records, United FCU has approved 79 SBA 7(a) loans totaling $90.5M since 2020. Their average loan size is $1.1M.

What states does United FCU serve?

United FCU serves businesses in 17 states: Arkansas, Florida, Georgia, Indiana, Michigan, Minnesota, Missouri, North Carolina, New Jersey, Nevada, New York, Ohio, Pennsylvania, South Carolina, Texas, Virginia, Wisconsin.

How do I apply for an SBA loan with United FCU?

To apply for an SBA 7(a) loan with United FCU, contact them directly through the form on this page. Before applying, check your FICO SBSS score (the SBA's pre-screening score) and have your financial statements, business plan, and tax returns ready. Most SBA lenders require 2+ years in business, $100K+ annual revenue, and a personal credit score of 640+.

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SBA 7(a) loans up to $5M · Rates from 10.5% · As fast as 7 days