Reliant Community FCU

This is a community-focused financial institution offering SBA loans and banking services tailored to small businesses in the region, providing support for growth and development.

Ask Reliant Community FCU directly — some branches take walk-ins, others book SBA conversations by appointment.

Hours vary by branch and change. Check Reliant Community FCU's website or call before you visit.

Browsing this directory is free. Any loan fees are set by Reliant Community FCU and the SBA program — ask the lender for its current schedule.

This institution primarily serves members of the community and local small business owners within its regional service area.

Many SBA lenders look for a personal score around 640 or higher, but each bank sets its own bar and it changes. Ask Reliant Community FCU what it looks for today.

The underwriting process typically takes between 2 to 4 weeks, depending on the complexity of the application and completeness of documentation.

Most bank SBA teams work weekdays; confirm with Reliant Community FCU before planning a weekend visit.

Reliant Community FCU is located in New York — see the contact card for the full address. Most credit union locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.

This page is an independent directory listing for Reliant Community FCU, an SBA-participating credit union. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Reliant Community FCU itself, which runs its own lending under its own ownership. If you work at Reliant Community FCU, you can claim this listing from this page to manage it.

The core details for Reliant Community FCU — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with Reliant Community FCU before applying. If you represent Reliant Community FCU, claim this listing to keep its information up to date.

You can reach Reliant Community FCU by phone at (800) 724-9282 or online at www.reliantcu.com — the same details are in the contact card on this page.

Based on its approved SBA loans, Reliant Community FCU most often finances businesses in general retail. This reflects Reliant Community FCU's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with Reliant Community FCU which sectors it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Reliant Community FCU participates in SBA Express depends on its specific SBA lending authority. Contact Reliant Community FCU and ask if it offers SBA Express and what the current limits and terms look like for your situation.

Whether Reliant Community FCU has SBA Preferred Lender (PLP) status is set by the SBA. Ask the bank directly; PLP lenders can approve in-house and often move faster.

The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. Reliant Community FCU's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Reliant Community FCU directly whether it considers start-up loans.

For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask Reliant Community FCU what down payment it expects for your specific commercial real estate purchase.

SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask Reliant Community FCU to spell out any prepayment penalties before you sign.

SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with Reliant Community FCU to confirm it qualifies and how to document it.

A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. Reliant Community FCU weighs this case by case under its own policy, so be upfront about your history and ask Reliant Community FCU how it evaluates prior bankruptcies.