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Business Lending

Your business is your business.

Whether you hear opportunity knocking or see an industry disruption in the making, we’re here to help get you on the right track. 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 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 for your business’s needs.
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USDA Business and Industry Lending

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.

Business Minute Lender1

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.

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.

Frequently Asked Questions

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 http://www.expressinsuranceinfo.com/3076927

Please ensure that the mortgagee 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

Why are mortgage interest rates rising?

By United Community Mortgage Services

Mortgage interest rates are rising, and they’re rising fast. In fact, we’ve seen the fastest rise in rates since 1987. So, what’s fueling the surge? Read more to find out.
 
Read Article

How can I take advantage of my home’s equity?

By United Community Mortgage Services

If you’ve been paying any attention to the housing market, you know home prices have skyrocketed. In the last two years, they’ve jumped nearly 33%! 
Read Article

Prepare Your Small Business for Big Things

There’s nothing small about starting a small business. From formulating a business plan to developing a financial path, the right planning can help you make big strides toward your goals.
Read Article

Limits apply. Business Minute Lender offers unsecured business loans and lines of credit only. Please contact us to learn about other available business loan and line of credit options. 

2 Upon credit approval.