Business Loan Options at United Bank of Union

United Bank of Union offers a full line of real estate acquisition loans for new or expanding businesses. United Bank of Union can often pair the approval with assistance from one of our government guarantee agencies to grant more advantageous loan terms to promote the growth of the business. Contact a commercial loan officer today for more information. 

Government Guaranteed Loans

United Bank of Union works closely with the United States Department of Agriculture (USDA), the Small Business Administration (SBA), and the Economic Development Centers established by the SBA. These agencies may allow the bank to assist businesses with their hard asset acquisition needs. Qualifying borrowers may receive more favorable loan terms than they may otherwise have been granted.


United Bank of Union was the first Certified Lender in the state of Missouri in the Business and Industrial loan guarantee program. This program offers long term financing for the acquisition of assets such as equipment and real estate. For more information visit


United Bank of Union is able to assist borrowers with a wide range of loan products offered in conjunction with the Small Business Administration. One of the most popular offerings is the Low Doc loan guarantee. Please visit the SBA at to review the complete listing of SBA services available.


The Economic Development Centers assist the SBA, primarily with the implementation of the 504 loan program. This program allows United Bank of Union to take a first lien position in the asset being acquired, and the EDC holds a junior lien on the collateral securing their loan. This has been a very popular program, especially with the acquisition of real estate. For more information, visit

Lines of Credit

United Bank of Union offers revolving and non-revolving lines of credit to qualifying businesses to help finance current assets. Call an experienced UBU lender at (636)-583-2555 to schedule an appointment to discuss your cash flow needs.

Term Loans

Needing to upgrade your equipment or purchase a new vehicle for your business? United Bank of Union offers long-term or short-term financing to assist businesses to acquire fixed assets such as machinery, equipment, vehicles and other assets. Call a loan officer at (636)-583-2555 to discuss your financing needs.

Important Disclosures and Information:
This is a list of products offered at United Bank of Union. Your receipt of this material does not mean you have been prequalified or pre-approved for any product or service we offer. This is not a commitment to lend; you must submit additional information for review and approval. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.