


Owner-Occupied Real Estate
If your company needs to acquire, refinance, or improve its property, you can depend on America First to provide the loan that fits your commercial needs.
- Competitive rates
- Up to 25-year terms/amortizations
- As little as 10% borrower cash down payment
- Acquisition & construction financing available
- 504 and 7(a) SBA loan options
Property type, industry, and strength of the borrower(s) will determine the interest rate and terms.
Non-Real Estate Financing
Whether you’re looking to start a business, expand your operations, make an acquisition, or purchase additional machinery & equipment, our professional and experienced representatives are committed to helping you obtain the financing to take your business to the next level.
- Flexible terms & conditions
- Up to 10-year, fully amortized loan terms
- No pre-payment penalties
Additional collateral may be required and must comply with SBA standard operating procedures.


Contact Your Local SBA Professional Today
Arizona / New Mexico
Joe Galvez 602-206-1417 jgalvez@americafirst.com
Bill Luckinbill 602-538-9671 bluckinbill@americafirst.com
Micah Russum 480-853-3475 mrussum@americafirst.com
Idaho
Terry Mann 208-602-4701 tmann@americafirst.com
Nevada
Roger Unger 702-498-9530 runger@americafirst.com
Utah
Doug Dennis 801-499-2129 ddennis@americafirst.com
Devon Hansen 801-856-2277 dhansen@americafirst.com
Scott Petty 801-791-6674 spetty@americafirst.com
For general questions about SBA Loans through America First, please call (801) 215-5557.

We're Here to Help You
At America First Credit Union, our chief concern is the financial well-being of members. We strive to provide superior products and services and strengthen the communities we serve.