All One Credit Union

This is a commercial bank that offers SBA loan programs and small business financing solutions. You can find assistance with SBA 7(a) loans, guidance on application processes, and support for growing your business.

Ask All One Credit Union directly — some branches take walk-ins, others book SBA conversations by appointment.

Hours vary by branch and change. Check All One Credit Union's website or call before you visit.

Browsing this directory is free. Any loan fees are set by All One Credit Union and the SBA program — ask the lender for its current schedule.

This bank primarily serves local residents and small business owners in the Leominster area, but they also support regional clients.

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

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

Most bank SBA teams work weekdays; confirm with All One Credit Union before planning a weekend visit.

All One Credit Union is located in Massachusetts — 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 All One Credit Union, an SBA-participating credit union. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by All One Credit Union itself, which runs its own lending under its own ownership. If you work at All One Credit Union, you can claim this listing from this page to manage it.

The core details for All One Credit Union — 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 All One Credit Union before applying. If you represent All One Credit Union, claim this listing to keep its information up to date.

You can reach All One Credit Union by phone at (800) 649-4646 or online at all-onecu.com — the same details are in the contact card on this page.

Like most SBA lenders, All One Credit Union can finance a broad range of small businesses — common categories include professional services, healthcare practices, restaurants and franchises, retail, light manufacturing, and commercial real estate. Each credit union sets its own industry preferences and may avoid sectors it considers higher risk. Ask All One Credit Union directly which industries 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 All One Credit Union participates in SBA Express depends on its specific SBA lending authority. Contact All One Credit Union and ask if it offers SBA Express and what the current limits and terms look like for your situation.

Whether All One Credit Union 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. All One Credit Union's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask All One Credit Union 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 All One Credit Union 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 All One Credit Union 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 All One Credit Union 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. All One Credit Union weighs this case by case under its own policy, so be upfront about your history and ask All One Credit Union how it evaluates prior bankruptcies.