UCB Your First Choice for
SBA Loans
SBA Loans
Conventional Loans
United Central Bank (UCB) understands the local economic environment, and is committed to providing the highest quality of financial services, both commercial and personal, to the diverse communities we serve. UCB offers financing options to meet most of your borrowing needs. Our lending officers will analyze the various options to determine the one that best meets your unique needs.
The following information briefly describes various conventional/direct loans available to our customers. The information is general, so each loan request must be reviewed individually by UCB to insure that it meets all of our credit criteria.
Commercial Loans
Use of Loan Proceeds:
a. Purchase an existing business, or start up a new business
b. Purchase machinery and equipment
c. Working capital - includes purchase of inventory and financing receivables
d. Debt refinancing
Real Estate Loans
Use of Proceeds:
a. Unimproved / vacant land
b. Investment real estate (i.e., commercial and residential rental properties)
c. Owner-occupied commercial real estate
d. New construction / renovation of buildings
Personal Loans
Use of Proceeds:
a. Automobile loans
b. Education expenses
c. Investments
d. Other personal needs
Terms/Amortization of Loans: Will vary according to use of proceeds.
General Information
Interest Rates: As a general rule, interest rates are variable, and based on the Wall Street Journal Prime rate. However, in some instances, interest rates may be fixed.
Business / Real Estate Loans: As a general rule, loans for business purposes and real estate acquisitions require an equity injection depending on the asset being financed.
Collateral: Generally, all loans must be fully collateralized, and personal guarantees are required in most cases.
How to Apply:
a. Gather basic information concerning your loan request. (If your loan will be used for commercial purposes or to acquire real estate, use the information checklist provided for SBA loans.) Contact UCB to schedule an appointment to discuss your loan request.
b. UCB will evaluate your request to determine if it meets the bank’s minimum credit criteria.
c. If you satisfy the minimum requirements, you will need to complete a UCB loan application and provide any additional information necessary to finalize the loan request.
UCB is here to service all your financing needs. Please contact any convenient UCB Banking Center and ask to speak to any one of our loan officers.
UNITED CENTRAL BANK IS A SBA PREFERRED LENDER
SBA guaranteed loans are available to provide the financing you need for your business. Click Here to find information about our SBA Loans.
24-HOUR TELEPHONE BANKING
In addition to online account access, there is a fast easy way to get current information on your bank accounts. We call it "The 24 Hour International Bookkeeper." Enjoy the benefits of this convenient bookkeeper service.
Information available in English or Spanish. Coming soon in Korean, Mandarin Chinese, Vietnamese, Urdu, or Arabic.
- Information provided on account balances, deposits, checks paid, loan information, and CD information.
- A personal attendant is available from 9:00am to 5:00pm (CST) Monday thru Friday.
- To reach the 24 Hour International Bookkeeper, call:
Dallas Area: (972) 276-0808
Dallas/Fort Worth Metro: (817) 461-6608
Toll Free: (800) 585-3040
Member FDIC | Equal Housing Lender
