SBA Lending
UCB Your First Choice for
SBA Loans

How to Apply for SBA

Contact the SBA Department, and after approving your request, we will make contact with the appropriate CDC.

7(a) or 504 Loans – Getting the Process Started

The following basic information is needed in order for UCB to make a preliminary evaluation of your SBA loan request. Although certain items may not be applicable to your business, you should be as thorough as possible in gathering the information. UCB’s application (see below) is very helpful in organizing the information. If you have questions concerning this list, contact UCB.

Loan Information

  1. What size loan are you requesting? How will the loan be used? How long of a term (in years) are you requesting on the loan?
  2. If you are proposing to purchase real estate or an existing business, provide a copy of the purchase agreement (signed by both buyer and seller).
  3. Provide photocopies of any notes to be refinanced with the loan.
  4. Indicate the amount and sources of the equity (i.e., cash) to be injected into the business or project. (Minimum equity requirements apply for start-ups and business purchases.)

Company / Owner Information

  1. Provide a brief history and description of your business. (When was the business started, and by whom? What are your products and/or services? How has the business grown or changed? How many employees do you have? Who are your competitors?)
  2. Provide the legal name of the business, its street address, telephone number, and Employer Tax ID number.
  3. Provide the name, home address, Social Security number, and percentage of ownership for any person having any ownership interest in the business. Include a resume for each owner, describing their educational and business background.

Financial Information

  1. Provide the business' historical financial statements and tax returns for the last three fiscal years, or since start up, whichever is less.
  2. Provide the business' interim financial statement. (Not more than 60 days old). (Include aging of accounts receivable and payable).
  3. Provide a personal financial statement for each individual owning twenty percent (20%) or more of the business. (If you do not have a personal financial statement form, contact United Central Bank, and we will provide one to you). With each personal financial statement, provide complete copies of that individual's Personal Income Tax returns for the last three years. Click here to view and download Personal Financial Statement Software.
  4. If you are purchasing an existing business, provide copies of that business' tax returns for the prior three years, or since inception, whichever is shorter.

UCB – SBA Loan Application

United Central Bank has developed an easy to use loan application in downloadable PDF format that allows you to print the forms. Once printed, please complete all sections legibly and either fax to 972-276-3972 attention: SBA Department or drop by one of our convenient locations.

Click Here to Download the application now. (Adobe® Acrobat Reader is required)

Don’t have Adobe® Acrobat Reader? Click here to Download your free copy.

You may also visit one of our convenient locations to obtain a copy of the application.

We hope that the above information has answered most of your questions concerning SBA loans and that you will make United Central Bank your first choice for your SBA loan. If you need further information, contact any United Central Bank location, and ask to speak to a loan officer or call us at 972-487-1505, or E-mail your request to sbadept@ucbtx.com.

Member FDIC | Equal Housing Lender