Business Loans Made Easy | First Union Lending

# 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 d