# America First Credit Union (SBA lending)

A dedicated SBA hotline and 10% down in writing.

The Mountain West's big credit-union SBA desk: a Preferred Lender under the 7(a) with a dedicated SBA hotline. It puts as little as 10% borrower cash down and terms to 25 years in writing, names acquisition financing among uses, and its own newsroom claims the nation's top SBA credit-union ranking by approved dollars. Membership comes first; the FOIA loan file seats it in Utah's and Nevada's change-of-ownership tables.

- Category: SBA & Acquisition Lenders
- Pricing model: Custom Pricing
- Where it fits: Set Up & Fund the Search, Diligence & Close the Deal
- Website: https://www.americafirst.com/business/business-loans/sba-referral.html

## At a Glance

The Mountain West's membership-first answer: the 10% floor and the 25-year clock in writing, a hotline to a dedicated desk, and a real two-state acquisition book. Clear membership, then make the property-flavored terms say the same thing about your business-only deal.

## What It Costs

Loan products; no fee to engage, though borrowing starts with membership. The SBA page states as little as 10% borrower cash down, terms and amortizations to 25 years, 504 and 7(a) options, and acquisition financing among uses, in copy that reads property-first. Rates are left to the file: property type, industry, and borrower strength determine them by its own line. The newsroom claims the nation's top SBA credit-union ranking by approved dollars for a second year. The FOIA loan file places it fifth in Utah with 31 and fourth in Nevada with 17 change-of-ownership loans across the file's six years.

## Best For

Buyers in the Mountain West who can clear membership and want a credit-union desk with the 10% floor and the 25-year clock already in writing

## Pros and Cons

- Pro: A [Preferred Lender](https://searchspheresource.com/glossary/preferred-lender-program) under the [7(a)](https://searchspheresource.com/glossary/sba-7a) with a dedicated SBA hotline, a desk you can actually dial
- Pro: States the two figures that matter, as little as 10% down and terms to 25 years, on the page
- Pro: Fifth in Utah's and fourth in Nevada's [change-of-ownership](https://searchspheresource.com/glossary/change-of-ownership) tables in the FOIA loan file, so the acquisition practice is real
- Pro: Its planned acquisition of a Las Vegas SBA bank, announced on its own newsroom, points at a deeper Nevada desk ahead
- Con: Membership precedes borrowing, so eligibility is the first check rather than a formality
- Con: The published terms sit in property-flavored copy; make the officer confirm them for a business-only acquisition
- Con: No rates published; property type, industry, and borrower strength decide them by its own line
- Con: No Searchfunder or Reddit thread discusses the lender, so there is no practitioner account of how it handles a [search-fund](https://searchspheresource.com/glossary/search-fund) file

## What Searchers Say

The Preferred Lender status, the 10% down and 25-year lines, the acquisition use, and the dedicated SBA hotline are its own pages'. The top-credit-union ranking is its own newsroom's, by approved dollars in one federal fiscal year, a different cut from the change-of-ownership counts the FOIA loan file ranks. The FOIA loan file independently places it fifth in Utah and fourth in Nevada across the file's six years; the planned Las Vegas bank acquisition is its own newsroom's announcement.

## Sources

- https://www.americafirst.com/business/business-loans/sba-referral.html
- https://news.americafirst.com/america-first-credit-union-ranked-top-sba-credit-union-lender-in-the-nation-for-the-second-year/
- https://searchspheresource.com/data/acquisition-lending

Also on this site: https://searchspheresource.com/resources/category/lender.md
Source: https://searchspheresource.com/resources/america-first-credit-union
Last checked: 2026-08-08

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