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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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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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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. 
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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.
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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.

Get in touch.

Preferred Contact Method:

Meet the Team

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.

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.

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.

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

The pros and cons of debt consolidation

Are you overwhelmed with paying off your credit card or loans? Do you have a hard time keeping track of all your different payments and due dates?
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Building a home isn’t something you do every day. In fact, it may actually be something you’ve never done before! That’s why we put together a simple guide to walk you through how to begin your construction process.
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Tips to Protect Your Business from PPP Scams

Are you receiving emails, robocalls or other solicitations regarding your PPP loan from people claiming to be government officials or from other unknown sources? If so, you may be the target of a fraud attempt.
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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.