Business Lending

Looking to finance your business’s growth or property purchase? We offer tailored lending solutions and personalized guidance to support your needs and aspirations. Our experienced team is committed to helping you achieve your goals.

local bank. local decision making.

Introducing Our Business Lending Solutions

We strive to provide

  • Local Expertise & Decision Making
  • Flexible & Customized Solutions

  • Commitment to Community

Our products include SBA lending and commercial and non-profit real estate financing. Explore our product listings below to find the perfect fit for your needs.

Small Business (SBA) Loans

Benefits of SBA 7(a) Lending Loan

  • Flexible Financing: SBA 7(a) loans offer flexible terms and structures, making it easier for businesses to access capital for various needs.
  • Lower Down Payments: Benefit from lower down payment requirements with SBA 7(a) loans, freeing up more cash flow for other business expenses.
  • Longer Repayment Terms: Enjoy longer repayment terms compared to traditional loans, allowing for manageable monthly payments and better financial planning.

Key Aspects of SBA 7(a) Lending Loan

  • Support for Startups: SBA 7(a) loans provide crucial support for startups and growing businesses by offering easier qualification criteria and favorable terms.
  • Enhanced SBA Guarantee: The SBA provides a guarantee to lenders on a portion of the loan, reducing the risk for lenders and increasing the chances of approval for businesses.
  • Wide Range of Uses: SBA 7(a) loans can be used for various business purposes, from working capital to purchasing equipment, business acquisitions or real estate, providing businesses with the flexibility they need.
  • Expert Assistance: Our team of experts will guide you through the SBA 7(a) loan process, ensuring a smooth and efficient experience from application to funding.

Commercial & Non-Profit Loans

We are committed to supporting the development and growth of local small businesses in the Ann Arbor/Ypsilanti community. Our team of innovative and experienced commercial loan officers will collaborate with you to tailor a personalized program that aligns with your business’s financial goals.

Key Aspects of Commercial & Non-Profit Loans

  • Local Focus: As a Community Bank, we prioritize the success and growth of local small businesses.
  • Expert Guidance: Benefit from the expertise and insight of our commercial loan officers, who are dedicated to helping businesses thrive.
  • Accessible Financing: With our individualized programs, businesses can access the funding they need to fuel their growth and development.
  • Community Engagement: By choosing University Bank, businesses contribute to the local economy and play a part in the growth and prosperity of the Ann Arbor/Ypsilanti communities.

Contact Our Business Lending Team

Meet Our Team

SBA Lending - Mark

Mark Koepf, CRC

VP, Government
Guaranteed Lending
NMLS # 1724499

Business Lending - Ken

Ken Sprinkles

AVP, Business
Banking Officer
NMLS # 1250795

SBA Lending - Bill

Bill Roberts

Government Loan Specialist,
Business Banking Officer