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Faced 5+ Years in Prison

People Vs Joseph Amico

Covered by NYDaily News. Las Vegas man accused of threatening a prominent attorney and making vile remarks.

Faced 10+ Years in Prison

People Vs. Anna Sorokin

Covered by New York Times, and other outlets. Fake heiress accused of conning the city’s wealthy, and has an HBO special being made about her.

Faced 3+ Years in Prison

People Vs. Genevieve Sabourin

Accused of stalking Alec Baldwin. The case garnered nationwide attention, with USAToday, NYPost, and other media outlets following it closely.

Faced Potential Charges

Ghislaine Maxwell Juror

Juror who prompted calls for new Ghislaine Maxwell trial turns to lawyer who defended Anna Sorokin.

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Meet Todd Spodek


The Spodek Law Group understands how delicate high-profile cases can be, and has a strong track record of getting positive outcomes. Our lawyers service a clientele that is nationwide. With offices in both LA and NYC, and cases all across the country - Spodek Law Group is a top tier law firm.

Todd Spodek is a second generation attorney with immense experience. He has many years of experience handling 100’s of tough and hard to win trials. He’s been featured on major news outlets, such as New York Post, Newsweek, Fox 5 New York, South China Morning Post, Insider.com, and many others.

In 2022, Netflix released a series about one of Todd’s clients: Anna Delvey/Anna Sorokin.

Why Clients Choose Spodek Law Group

The reason is simple: clients want white glove service, and lawyers who can win. Every single client who works with the Spodek Law Group is aware that the attorney they hire could drastically change the outcome of their case. Hiring the Spodek Law Group means you’re taking your future seriously. Our lawyers handle cases nationwide, ranging from NYC to LA. Our philosophy is fair and simple: our nyc criminal lawyers only take on clients who we know will benefit from our services.

We’re selective about the clients we work with, and only take on cases we know align with our experience – and where we can make a difference. This is different from other law firms who are not invested in your success nor care about your outcome.

If you have a legal issue, call us for a consultation.
We are available 24/7, to help you with any – and all, challenges you face.

Top Credit Unions for Small Business Loans

Top Credit Unions for Small Business Loans

Getting a small business loan can be challenging, but working with the right lender can make all the difference. Credit unions are a great option for small business owners looking for financing. They often offer better rates and terms compared to big banks.

When evaluating credit unions for a small business loan, there are several key factors to consider:

Interest Rates

Interest rates from credit unions are typically lower than rates from big banks. According to NerdWallet, the average small business loan rate from credit unions is around 7-13%. Rates will vary depending on your credit score, collateral, and other qualifications. Be sure to shop around and compare rates across several credit unions to find the best deal.

Loan Amounts

While credit unions may not be able to match the loan sizes offered by major banks, many still provide sizable loan amounts perfect for small businesses. Loan amounts often range from $5,000 up to $250,000 or more. Check the typical loan sizes offered by a credit union before applying to make sure they provide the funding you need.

Flexible Terms

Credit unions offer more flexibility than banks when it comes to loan terms. This includes options like interest-only payments to start, longer repayment periods, and early payoff options without penalties. The ability to customize payment plans can be invaluable for a small or early-stage business.

Personalized Service

Instead of dealing with an impersonal banker who handles thousands of customers, credit unions provide one-on-one personalized service. You’ll work directly with a business lending specialist who takes the time to understand your unique business needs. This can lead to faster loan decisions and a smoother overall borrowing experience.

Lower Fees

From application fees to late payment charges, banks have all kinds of hidden fees that quickly add up. Credit unions are non-profits, so they generally have lower (or no) fees associated with their small business loan products. This saves you money over the duration of your loan.

With these benefits in mind, here are 10 top-rated credit unions for small business loans:

1. State Employees’ Credit Union (SECU)

With over 2.5 million members, SECU is one of the largest credit unions in the U.S. They offer excellent small business loan and line of credit options. SECU business loans range from $5,000 up to $500,000. Term lengths reach up to 10 years for larger loans. Competitive variable and fixed rate loans are available. You’ll also benefit from low fees and personalized support from SECU’s business services advisors.

2. Alliant Credit Union

Alliant Credit Union is one of the top online credit unions nationwide. While they don’t have local branches, their digital banking platform offers convenience and flexibility. Qualified business members can borrow up to $250,000 with Alliant business loans. No collateral is required for loans up to $50,000. Alliant offers expedited funding as soon as the next business day on approved applications.

3. Pentagon Federal Credit Union (PenFed)

As the second largest federal credit union, PenFed has plenty of resources to help fund your business. They provide both term loans and lines of credit up to $500,000. PenFed offers some of the most competitive rates available, with both fixed and variable APR options. Loan terms range from 1-15 years. They also have a fast application process and funds can be available quickly after approval.

4. Patelco Credit Union

Headquartered in California, Patelco CU offers both secured and unsecured business loans up to $250,000. As a member-owned cooperative, Patelco provides excellent service when it comes to lending. They take the time to understand each borrower’s unique situation. This personalized approach combined with competitive rates makes them a go-to option on the West Coast.

5. Suncoast Credit Union

Florida-based Suncoast CU has been operating for over 85 years. They leverage this expertise with specialized lending solutions for small business owners. Suncoast offers lines of credit, SBA loans, equipment loans, and commercial real estate loans up to $5 million. Streamlined applications and fast time-to-funding makes them an appealing choice for Florida businesses.

6. SchoolsFirst Federal Credit Union

As one of the largest credit unions in California, SchoolsFirst FCU brings over 80 years of lending experience. Their small business offerings include term loans, lines of credit, SBA loans, and commercial real estate loans up to $3 million. Equipment financing is also available. SchoolsFirst has a reputation for flexibility, often extending credit to early-stage businesses other lenders turn down.

7. Golden 1 Credit Union

Golden 1 CU first opened its doors in Sacramento back in 1933. Today, their commercial lending team provides funding up to $5 million for California businesses. From equipment loans to commercial mortgages, Golden 1 offers a diverse mix of borrowing options. Streamlined applications and local underwriting allows them to fund loans quicker than most banks.

8. Lake Michigan Credit Union (LMCU)

Operating across Michigan, LMCU offers both term loans and lines of credit to qualifying business members. New businesses can borrow up to $100k without needing collateral or financial history. More established businesses can qualify for up to $2 million in financing. Competitive rates, flexible terms, and stellar customer service has earned LMCU acclaim from members.

9. Veridian Credit Union

Based in Iowa, Veridian CU provides funding from under $10,000 up to $5 million. Their business lending experts take time to understand your operations to create a customized lending solution. Veridian offers commercial mortgages along with term loans and lines of credit. Local underwriting helps streamline the application and funding process.

10. Maps Credit Union

Since 1935, Maps Credit Union has served New York businesses with lending solutions. They offer term loans up to $150,000 with no application fees. Lines of credit up to $100,000 are also available. Even brand new startups can qualify for funding. Reasonable rates, flexible terms, and prompt decisions makes Maps CU a go-to lender in the state.

Choosing the Best Credit Union Lender

As you can see, credit unions provide a viable alternative to big banks when it comes to getting a small business loan. Lower rates, flexible terms, and personalized service are just a few of the advantages available. Each credit union has its own unique offerings, so be sure to do your research to find the right lender.

Here are some final tips when selecting a credit union partner for your small business loan:

  • Check membership eligibility requirements before applying
  • Compare interest rates across multiple credit union lenders
  • Ask about fees, terms, loan amounts, and repayment options
  • Inquire about funding timelines and application processes
  • Look for personalized business banking and lending support
  • Read online reviews and feedback from other borrowers
  • Make sure they offer the loan purpose and amount you need

Finding the right loan for your business doesn’t have to be hard. Community-focused credit unions want to help local entrepreneurs and small business owners pursue their dreams. With better rates, flexibility, and service, they should be a top consideration when you need funding fast.




I hope this overview on the top credit unions for small business loans has been helpful. Let me know if you have any other questions!

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I was searching for a law firm with some power to help me deal with a warrant in New York . After 6 days I decided to go with Spodek Law Group. It helped that This law firm is well respected by not only the top law firms in New York , but the DA , Judge as well. I...

~Fonder Brandon

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It was my good fortune to retain Spodek Law Group for representation for my legal needs. From the beginning, communication was prompt and thorough. Todd, Kenneth and Alex were the first people I worked with and they all made me feel comfortable and confident that the team was going to work hard for me. Everything was explained and any concerns...

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