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Business Loans and Lines of Credit

Making the short-term, long-term.

Your immediate focus may be on getting the doors open, but we’re here to help keep them open for many years to come.

Business Minute Lender1

Existing customers with a business checking account opened 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.

Term Loans

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Business Lending

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

We have financing available for retail, industrial, office, multifamily, hospitality and more.
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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.

Lines of Credit

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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.

Get in touch.

Preferred Contact Method:
Personal or Business?

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.

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Learning Center

Deciding to buy or rent.

Buying a home is a rewarding experience. You derive a great deal of personal satisfaction from owning a home. Homeownership allows you to build up your personal net worth over time. Traditionally, long-term increases in housing prices nationwide make homeownership a relatively attractive investment.

 

Read Article

Planning for your finances.

Every stage of life has financial implications—from planning for a new family member, to planning for retirement and everything in between. A strong financial plan, complete with goals and budgeting can set you on the right path toward a healthy financial future.
Read Article

Bright budgeting tips.

The most wonderful time of year is right around the corner! Your heart might be ready for all the merrymaking, but is your wallet? Follow these tips to ensure your account balance stays as high as your spirits this special season. 
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.