Loan Process

As your valued community financial partner, we make the loan application process simple and straightforward. That way, you can keep your focus on growing your business. Our loan process can be broken down into five distinct phases:


1. Pre-approval
The Pre-approval phase allows you to tell us about your business and financing project. This can be initiated by a simple phone call or email. A United professional will help determine the best lending solution for you. We will ask you to complete our Pre-approval Application Packet in its entirety so we may evaluate your request. The application packet contains a simple, easy-to-follow checklist of required items. Your completed pre-application packet can be submitted to us via:

  • Email
  • Fax: 734.864.5740
  • Encrypted File Upload: USF Secure Upload
  • Mail: United Structured Finance, P.O. Box 1127, Ann Arbor, Michigan 48106

We will contact you immediately to confirm receipt of your application packet. And, within 24 hours, we will notify you of our pre-approval decision or proposal, or of our need for more information.

2. Proposal
An affirmative decision from the pre-approval phase will result in a proposal from United. The proposal outlines the terms and conditions of the financing solution that meets your needs. It is not a commitment to lend, but it does indicate a strong interest by United's Structured Finance team to move forward with credit underwriting. This phase offers our clients an opportunity to review the proposed loan amount, pricing, and structure. If accepted, the client is asked to sign the proposal and provide United with a good faith deposit.

3. Credit Underwriting
Upon receipt of the signed proposal you will be introduced to our underwriting and closing staff. Our team will work very closely with you to help get you to the closing table as quickly as possible. We achieve this by working on both underwriting and closing items at the same time. We have found this to be more efficient, and it drastically reduces loan turn-around times.

4. Closing
Loan closings can literally take place within the same day of credit approval. We work closely with other third parties associated with your project (such as realtors, loan brokers, and title companies) to assure a smooth and quick loan closing.

5. Post Closing & Servicing
After closing, the United Structured Finance team will continue to provide you with the best client experience on Planet Earth. We will monitor and service your account, handle inquiries, and advise you on the latest developments in the financial markets.

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