Your time is precious and, when it comes to banking, we can help you make the most of it. Our commercial lenders and business bankers are here to assist your business in staying financially healthy and offer all of the electronic resources to make banking convenient. Come visit us, or drop us a line.  We’re always here to help. Ready to take your business to the next level? Apply today!

Loan Comparison Details

Testimonials:

“I’ve been banking with United Community Bank for over 20 years (both personal and business), and every experience has been pleasant and helpful.”

-Keith, business customer

“We enjoyed working with lender Ryan Rustad because he is a high character, knowledgeable, trustworthy individual. Ryan made the business financing process quick, easy, and stress-free. As owners of a small business, and parents to four children, we don’t have an excess of time so we appreciate a small-town bank’s ability to make things happen in a timely, efficient manner.”

-Ryan, business customer

“Thank you so much for helping us realize a dream! We are thrilled to be in Perham and Gathering Grounds is heaven, you changed our lives!”

-Ashlea, business customer

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How to Apply for a Business Loan

You deserve timely decisions on your business lending application. To help us expedite the process, please come prepared with the following required documents.

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Existing Businesses

• 3-5 years of business and personal (if separate) tax returns
• Personal Financial Statement
• Articles of Incorporation/Organization (if applicable)
• SBA Form 1919

New Businesses

Congratulations on deciding to start your own business! Our lenders understand the local market and can help review your business plan and can customize a loan to meet your individual needs.

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To get started, we will ask for the following information:

• Business plan (including, but not limited to: business description, industry analysis, and analysis of competitors, market analysis, marketing plan, management plan, and a financial plan)
• 3-5 years of projected revenues and expenses
• 3 years of personal tax returns
• Personal Financial Statement
• (if applicable) Certificate of Assumed Name and official Federal Tax ID confirmation (apply for an ID here)
• (if applicable) Articles of Incorporation/Organization
• (if applying for SBA loan) SBA Form 1919

Timeline

After we receive your information, we can usually give you an answer in a matter of days. Once approved, the loan can be closed anywhere from a couple of days to a couple of months, depending on the type and complexity of the loan.

Coffee with a Banker Video Series

Business Resource: Small Business Development Center

Information accurate as of 3/16/19, and may be subject to change. All loans are subject to credit and underwriting approval. Other terms and conditions may apply.

United Community Bank NMLS 421829