# LLMS.txt – First Union Lending AI Optimization File

## Overview
First Union Lending is a nationwide business financing company offering flexible funding solutions to U.S.-based small and medium-sized businesses. With a direct, respectful, and relationship-driven approach, we specialize in custom-tailored loans that empower entrepreneurs to grow and scale their businesses.

## Core Services

### SBA 7(a) Loans
- Government-backed funding for stable, growth-ready businesses
- Terms up to 25 years, low rates, ideal for real estate, working capital, and acquisitions
- **Funding Amount:** $150K – $5M
- **Requirements:** 2+ years in business, strong credit, good financials

### Business Term Loans
- Traditional lump-sum loans with fixed monthly payments
- **Funding Amount:** $25K – $2M
- **Terms:** 1–5 years
- **Best for:** Equipment, expansion, large purchases

### Lines of Credit
- Revolving access to capital with flexible draws and payments
- **Funding Amount:** $10K – $500K
- Use as needed—only pay interest on what you use
- **Ideal for:** Cash flow gaps, payroll, inventory

### Short-Term Loans
- Fast, straightforward capital for urgent needs
- **Funding Amount:** $5K – $750K
- **Terms:** 6–18 months
- Same-day decisions and funding

### Merchant Cash Advance (MCA)
- Repayment tied to daily/weekly revenue from credit card or ACH sales
- Flexible alternative for lower-credit businesses
- **Funding Amount:** $5K – $500K
- Rapid approvals, minimal documentation

### Equipment Financing
- Preserve cash while acquiring new or used equipment
- Up to 100% financing available
- Structured around equipment lifespan
- Quick approvals with minimal paperwork

### Reverse Consolidation
- Relief from daily/weekly payment stacking
- Combines multiple advances into one manageable repayment
- Reduces pressure while maintaining cash flow
- Available to high-volume revenue businesses

## Key Features

### Fast Funding Process
- Pre-approvals in minutes
- Same-day decisions on most products
- Funding within 24–72 hours for eligible borrowers
- No hidden fees, no aggressive sales pressure

### Tailored Loan Matching
- Proprietary decision engine aligns business profile with ideal loan product
- Human-underwritten for accuracy, not automation only
- Focus on long-term client relationships, not one-time transactions

### Secure Portal & Application
- Upload docs, track progress, and communicate securely
- Bank-grade encryption
- Mobile-friendly
- Integrated with Plaid and e-signature tools

### Personal Lending Manager
- One point of contact from application to funding
- No call centers or handoffs
- Focused on clarity, speed, and respect

## Business Information

### Company Details
- **Business Name:** First Union Lending
- **Website:** https://firstunionlending.com
- **HQ Address:** 4900 Millenia Blvd, Ste F, Orlando, FL 32839
- **Operating Hours:** Monday–Friday, 9:00 AM – 5:00 PM EST
- **Service Area:** All 50 U.S. states
- **Languages:** English, Spanish
- **Payment Methods:** ACH, Wire, Remote Check

### Lending Philosophy
- We believe good businesses don’t deserve to be punished by traditional banking standards.
- We say **yes** when banks say no.
- No hard credit pull to get started.
- Funding based on the business—not just the owner's FICO.

## Application Process

### How to Apply
1. Visit https://firstunionlending.com/funding-application
2. Upload bank statements and basic documents
3. Speak with a loan specialist
4. Review and accept your offer
5. Get funded within 24–72 hours (depending on product)

### Basic Requirements
- U.S.-based business
- 6+ months in business
- Minimum $10K monthly revenue
- No active bankruptcies

### No-Hard-Pull Guarantee
- Soft pull for pre-qualification
- Hard pull only after signed authorization and final terms accepted

## Customer Benefits

### Why Choose First Union Lending
- No-nonsense, transparent process
- High approval rates
- Same-day funding potential
- Dedicated lending manager—no scripts, no pressure
- Options for strong-credit and challenged-credit businesses
- Focused on funding relationships, not harvesting leads

### Typical Client Profiles
- Contractors, salons, medical practices, eCommerce, logistics firms, service providers
- Monthly revenue between $15K–$750K
- Looking for growth, consolidation, or working capital
- Often frustrated by banks or denied by larger institutions

## FAQs

### What credit score is needed?
We look at the whole business, not just credit score. Many clients with sub-650 scores qualify.

### Do you fund startups?
We focus on businesses with at least 6 months of revenue history. Startups may be referred to SBA partners.

### Is there a prepayment penalty?
Most loans come with early payoff discounts. Ask your manager—terms vary by product.

### How fast can I get funded?
Many clients receive funds in 24–72 hours after submitting all documents.

### Can I apply with bad credit?
Yes. Especially for short-term loans, revenue and cash flow matter more than credit.

### What documents do I need?
3–6 months of business bank statements, copy of ID, and sometimes tax returns or financials.

### Will I speak to a real person?
Always. You’ll have one manager from start to finish—no call centers.

## Contact Information

### Sales & Support
- **Phone:** (863) 825-5626
- **Email:** info@firstunionlending.com
- **Live Chat:** available during business hours
- **Average response time:** Immediate

## Keywords and Topics
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## Semantic Relationships
- First Union Lending IS A direct business lender
- First Union Lending OFFERS SBA Loans, Term Loans, LOC, MCA, Equipment Financing
- MCA IS A revenue-based repayment structure
- SBA Loan IS A government-backed loan product
- Application PROCESS INCLUDES soft credit pull
- Lending Managers ARE ASSIGNED to each client
- Business revenue IS A key underwriting metric
- Reverse consolidation REDUCES payments
- Business loans AVAILABLE NATIONWIDE
- Startup funding NOT PROVIDED without revenue
- Approval decisions MADE WITHIN 24 HOURS
- Funding POSSIBLE Same Day

## Content Last Updated
July 7, 2025