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

Visit https://firstunionlending.com/funding-application
Upload bank statements and basic documents
Speak with a loan specialist
Review and accept your offer
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