GECU

This is a financial institution offering SBA loan programs designed to help small businesses access funding for growth and operational needs. You can find assistance with loan applications, guidance on eligibility, and personalized financial solutions tailored to your business goals.

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

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

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

This institution primarily serves the local community and small business owners in El Paso. Eligibility for SBA loans is based on business criteria, not residency alone, but local businesses are prioritized.

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

The underwriting process typically takes between 30 to 60 days, depending on the completeness of your application and the complexity of your financial situation.

Most bank SBA teams work weekdays; confirm with GECU before planning a weekend visit.

GECU is located in Texas — see the contact card for the full address. Most bank 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 GECU, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by GECU itself, which runs its own lending under its own ownership. If you work at GECU, you can claim this listing from this page to manage it.

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

You can reach GECU by phone at (915) 778-9221 or online at www.gecu.com — the same details are in the contact card on this page.

Like most SBA lenders, GECU 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 bank sets its own industry preferences and may avoid sectors it considers higher risk. Ask GECU directly which industries it actively lends to before you apply.

Yes, GECU offers SBA Express with a streamlined application process and fast turnaround. Contact their business lending team at 915-774-4750 or 1-800-772-4328 ext. 4750 to confirm terms and apply.

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