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Customer Support

Phone:
1-800-UCBANK1 (1-800-822-2651)
Hours:
Monday-Friday: 8:00am-6:00pm EST
Saturday: 9:00am-12:00pm EST
After hours? Send us a message
Additional contact options 
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Business Lending

From a Business Lender Who Believes in Your Community

Whether you hear opportunity knocking or see an industry disruption in the making, we’re here to help get you on the right track, with top-of-the-line small business lending solutions and award-winning customer service. Find your fit below. 
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Business Loans and Lines of Credit

Get access to the capital you need to achieve your company’s goals with the help of a loan, line of credit or other specialized lending solution.
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SBA Small Business Lending

Since no two businesses are alike, why would you settle for only one lending option? You shouldn’t! That’s why we offer many types of SBA loans geared specifically to your business’s needs.
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USDA Loan Programs

Creating and maintaining employment in your community not only improves the local economic and environmental climate, but also establishes a foundation for a prosperous tomorrow. 

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Renewable Energy Financing

Finance your renewable energy project with United Community Bank. We offer utility and distributed project financing as well as commercial and industrial solar solutions.

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Franchise Financing

United Community Bank's franchise lending will focus on medium-sized franchisees in the restaurant, fitness, personal services, automotive, and other segments.

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Business Minute Lender1 Small Business Lending

Existing customers with a United business checking account open for at least 6 months can qualify to apply for a business loan or line of credit2 up to $25,000. Get a response in minutes and access your funds in three business days or less.
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Cash Management

Your business is unique. Your Cash Management should be too. We specialize in providing the tools you need to efficiently manage your business finances and save you time and money.
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Frequently Asked Questions about Small Business Lending

Who do I contact if I have questions about my business loan?

Stop by one of our locations near you to speak with a loan officer.

If you'd like to speak with one of our customer support representatives, please call us at 1-800-UCBANK1 (1-800-822-2651).

I’m switching my hazard insurance to a different company. What do I do?

You need to let us know as soon as possible by fax or mail at the address below that you’ve changed insurance companies.  Please include your name, address, and loan number, along with the new policy information.

Mail:
United Community Bank
ISAOA/ATIMA
P O Box 7092
Troy, MI 48007-7092 

Fax: 1-248-710-1630

You may also submit your insurance policy online at expressinsuranceinfo.com/3076927

Please ensure that the mortgage clause on the new policy matches the name and address above. 

What number do I call if I have a question about my insurance?

Please call our Insurance Department at 1-888-801-6590 for questions about an insurance notice or if you change insurance providers.

What SEC code should I use when originating ACH transactions?

When you originate ACH, you are directed to select a three-character code that identifies the recipient of the transaction. Please be sure you’re selecting the correct SEC code:

  • Select PPD if the recipient is a person or consumer and written authorization is obtained.
  • Select CCD if the recipient is a company or organization and written authorization is obtained.

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Learning Center

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We’ve all heard that rates are rising. But what does this mean for your business?
 
In an environment like this, it’s important to take a step back and look at the big picture. Both for the prime rate itself and for your business.
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By Jason Sleeman, National Craft Beverage Lender

As you probably know, construction is currently expensive and slow. We’ve seen recent projects double in cost from initial plans. Timeframes for getting architecture drawings and GC contracts have been up to 90-120 days. With all of this in mind, there are a few things you can do to ensure your next project is a success.
 
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We do pretty much everything on our mobile devices—buy groceries, schedule the bug guy, pay bills, even date. Keeping your information secure is more important than ever. Use these tips to protect yourself against mobile device fraud.
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1 Limits apply. Business Minute Lender offers unsecured business loans and lines of credit only.  Please contact a branch office for additional personal loans and lines of credit, including those secured by a Certificate of Deposit or other collateral. Once a Minute Lender loan is obtained by a customer using a deposit relationship, anyone with account affiliations with that customer is ineligible for a Minute Lender loan. As an example, if Customer A and Customer B are owners or signers on a deposit account and Customer A obtains a Minute Lender loan, Customer B is ineligible for a Minute Lender loan.  These limits apply even if Customer B maintains additional deposit accounts that are not affiliated with Customer A.  As an alternative, ineligible customers may reach out to your local branch for additional lending options.  

2 Upon credit approval.