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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 Loans and Lines of Credit

Let's get down to business.

Our goal and purpose is to enable the success of your business. We'd go so far as to say that we measure our own success by your success. That means when you need funds to keep things moving smoothly and kickstart growth, we're standing by with financial backup.

Armed with an arsonal of diverse business lending options for nearly every scenario, our lending experts pride themselves on finding the right financial solutions for your current challenges or opportunities.  

Business Lending Options

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Business Lending

One of our primary missions is to serve our community in every aspect, and that means supporting local businesses with the loan that is best for your goals and objectives.
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SBA Lending

When your small business needs funds, we're here with personalized SBA lending options for everything from dental practices to manufacturing to fast food franchising. 
See My Options
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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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Equipment Lending

If your business relies on heavy or specialized equipment to make things happen, trust that we can make your fleet happen for you with an equipment lending loan.
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Real Estate Lending

We have financing available for retail, industrial, office, multifamily, hospitality and more.
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Business Line of Credit

Delivering credit for maximum financial flexibility, a Business Line of Credit meets your short-term financing needs like cash-flow management fluctuations and unexpected business expenses.
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Working Capital Line of Credit

When business is slow but you’ve got bills to pay, a working capital line of credit can help you meet short-term financial goals.
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Credit Cards

Stack up rewards points, secure a low rate to consolidate your credit card debt or even start building your credit score when you choose the best credit card offers for you.
Explore Your Options
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Asset-Based Lending

We have flexible options that allow you to maximize your liquidity, strengthen your business's financial position and set you up for success in times of growth, mergers and acquisitions.
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Renewable Energy Financing

As the renewable energy industry continues to expand, we have the lending experience and expertise to help finance your solar, battery storage or energy efficiency projects.
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501(c)(3) Lending

When your business does well, it makes us happy. When your business does good, we couldn’t be happier. We’re here if your non-profit needs assistance.
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Municipal Financing

Keeping it local is a way of life in our community. In fact, we provide various loan products that help your community access the financing you need to reach your goals and improve the lives of your residents.
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Syndicated & Participated Loans

When there is no end in sight for your company’s growth, we still have what it takes to ensure your journey runs smoothly. 
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New Market Tax Credits

Revitalize your towns and cities through the power of investment, community development and economic growth.
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Builder Finance

No matter what your build looks like, we have the expertise to help power your business' growth. 

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Senior Care Lending

When your business is less about real estate, and more about helping people out at a time when they need it most, we’re here to help you.
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Find a Lender in Your Industry

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Calculators

Should I get a loan or a line of credit?

How much do I need to start my business?

Should I buy or lease equipment?

How long will it take to repay my loan?

What term should I choose for my loan?

Business Minute Lender1

Existing customers with a 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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Treasury Management

Your business is unique. Your Treasury Management Services should be too. We specialize in providing the tools you need to efficiently manage the finances of your business and save you time and money.
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Business Savings Accounts

Turn your business' rainy days into a full blown windfall with a savings account that safeguards your money and allows for constant access to your funds.
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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 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

Don’t let Higher Rates put Your Moving Plans on Hold

By United Community Mortgage Services

When mortgage interest rates start rising, the housing market typically slows down. Many buyers shy away from moving forward with a purchase, hoping to “time the market” by locking in a mortgage rate when rates drop. If that’s your strategy, here’s what you need to know.
Read Article

Key Players in the Home-Buying Process

By United Community Mortgage Services

Buying a home isn’t a one-player game. You’re going to work with a number of people throughout the process. 
Read Article

Employment Scams and How to Avoid Them
Criminals promote fake job opportunities through many of the same job boards that legitimate companies use, such as online job sites, social media platforms, and newspapers. The fake postings claim to offer employment but are instead used to acquire victims’ personal information and financial assets.
Read Article
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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.